The choice is yours
Choose our default option - the Lifecycle Investment Strategy (for Super-savings accounts only).
Choose from our single asset class options and/or diversified options to build an investment strategy that suits your needs and risk appetite.
Choose a ready-made diversified option.
Download the Sunsuper for life Investment guide to learn more about our investment options.
Ready-made diversified options
Choose one of our ready-made diversified investment options that contain a varying mix of asset classes and come with varying levels of risk.
Balanced
Designed for members who:
- Want to generate wealth over the long-term while being sensitive to the relative performance of other large Australian superannuation funds.
Minimum suggested timeframe
- 5 years.
- Designed for long-term wealth accumulation so you need patience.
Features
- Invests in a wide variety of asset classes to gain the benefits of diversification.
- Combination of active, enhanced index and index investment management.
- Invests in over 40 investment managers for diversification.
- Large allocation to Australian and international shares for exposure to economic growth.
Objectives
- Beat inflation over 10 years:
Super-savings account and Transition to retirement income account by 3.5% p.a. and Retirement income account by 4.0% p.a. (after Investment fees and costs and where applicable investment taxes).
Fees
Asset Allocation
Super-savings account and Transition to retirement income account by 3.5% p.a. and Retirement income account by 4.0% p.a. (after Investment fees and costs and where applicable investment taxes).
| Strategic (%) |
Allowable Range (%) | |
| Australian shares | 26.5 | 0-50 |
| International shares | 26.25 | 0-70 |
| Private capital | 6.5 | 0-15 |
| Property | 10.5 | 0-30 |
| Diversified strategies | 2.5 | 0-15 |
| Infrastructure |
7.5 | 0-20 |
| Fixed Interest | 10.75 | 0-30 |
| Alternative strategies | 5.5 | 0-25 |
| Cash | 4 | 0-25 |
When reading the objectives and/or risks you should also read the important information about Risks of Sunsuper's investment options and Important information about expected returns in the Sunsuper for life Investment guide. The objectives are set by Sunsuper for monitoring our ongoing investment performance. The objectives may differ from the prescribed Return target disclosed in our MySuper dashboard which is calculated using a different methodology. Refer to Asset classes and How does Sunsuper use derivatives? in the Sunsuper for life Investment guide for more information on asset classes and how we used derivatives to rebalance them. You can monitor the latest investment performance here. Returns are after Investment fees and investment taxes but before Administration fees. Past performance is not a reliable indication of future performance. The Balanced, Retirement and Cash Pools commenced on 4 October 2013. The three Pools have identical investments to the respective investment options being, the Balanced, Retirement and Cash investment options. To show our performance for each Pool we have shown the returns of the respective options (adjusted to reflect fee differences where applicable) up to 4 October 2013 with returns of each Pool from 4 October 2013. Actual Investment fees may be less than or greater than that indicated. Refer to the Sunsuper for life guide for information about investment fees. The indirect cost ration is calculated using actual costs and reasonable estimates of actual costs incurred. Refer to the Sunsuper for life guide for information about indirect cost ratios. The Buy-sell spreads for each investment option may vary from time to time to reflect the Buy-sell spread charged by the relevant managers, refer the Sunsuper for life Investment guide for more information.
Investment performance
Ready for a change?
You can change your investment strategy any time through Member Online. If you need help call us on 13 11 84.
Learn more about investment options
Growth
Designed for members who:
- Want to generate wealth over the long-term.
- Want less risk than an option invested solely in shares.
Minimum suggested timeframe
- 7 years.
- Designed for long-term wealth accumulation, so you need patience.
Features
- Invests in a wide variety of asset classes to gain the benefits of diversification.
- Combination of active, enhanced index and index investment management.
- Invests in over 40 investment managers for diversification.
- Primarily invests in Australian and international shares and a range of unlisted growth assets for exposure to economic growth.
Objectives
Beat inflation over 10 years:
Super-savings account and Transition to retirement income account by 4.0% p.a. and Retirement account by 4.5% p.a. (after Investment fees and costs and where applicable investment taxes).
Risks
High levels of volatility in the returns from year to year.
- Expected number of years of negative returns over any 20 year period: 4 to less than 6.
- Risk Label: High
- Risk Band: 6
Fees
Asset Allocation
| Strategic (%) |
Allowable Range (%) | |
| Australian shares | 34 | 0-50 |
| International shares |
31.5 | 0-70 |
| Private capital | 10 | 0-20 |
| Property | 8.5 | 0-30 |
| Diversified strategies | 2.5 | 0-15 |
| Infrastructure |
8.5 | 0-20 |
| Fixed Interest | 0 | 0-20 |
| Alternative strategies | 5 | 0-20 |
| Cash | 0 | 0-20 |
When reading the objectives and/or risks you should also read the important information about Risks of Sunsuper's investment options and Important information about expected returns in the Sunsuper for life Investment guide. The objectives are set by Sunsuper for monitoring our ongoing investment performance. The objectives may differ from the prescribed Return target disclosed in our MySuper dashboard which is calculated using a different methodology. Refer to Asset classes and How does Sunsuper use derivatives? in the Sunsuper for life Investment guide for more information on asset classes and how we used derivatives to rebalance them. You can monitor the latest investment performance here. Returns are after Investment fees and investment taxes but before Administration fees. Past performance is not a reliable indication of future performance. The Balanced, Retirement and Cash Pools commenced on 4 October 2013. The three Pools have identical investments to the respective investment options being, the Balanced, Retirement and Cash investment options. To show our performance for each Pool we have shown the returns of the respective options (adjusted to reflect fee differences where applicable) up to 4 October 2013 with returns of each Pool from 4 October 2013. Actual Investment fees may be less than or greater than that indicated. Refer to the Sunsuper for life guide for information about investment fees. The indirect cost ration is calculated using actual costs and reasonable estimates of actual costs incurred. Refer to the Sunsuper for life guide for information about indirect cost ratios. The Buy-sell spreads for each investment option may vary from time to time to reflect the Buy-sell spread charged by the relevant managers, refer the Sunsuper for life Investment guide for more information.
Investment performance
Ready for a change?
You can change your investment strategy any time through Member Online. If you need help call us on 13 11 84.
Learn more about investment options
Conservative
Designed for members who:
- Seek less volatile returns for their super while maintaining some growth exposure.
- Are likely to use their money in the short-term.
Minimum suggested timeframe
- 3 years.
- Designed for short-term wealth maintenance rather than long-term wealth accumulation.
Features
- Invests in a wide variety of asset classes to gain the benefits of diversification.
- Combination of active, enhanced index and index investment management.
- Invests in over 40 investment managers for diversification.
- Mainly invests in fixed interest and cash to reduce the volatility of returns.
Objectives
- Returns (after Investment fees and costs and where applicable investment taxes) of 1% p.a. above the Bloomberg AusBond Bank Bill Index after investment tax (where applicable) over a 3-year period.
Fees
Asset Allocation
| Strategic (%) |
Allowable Range (%) | |
| Australian shares | 9.5 | 0-30 |
| International shares |
7 | 0-30 |
| Private capital | 5 | 0-10 |
| Property | 8.5 | 0-20 |
| Diversified strategies | 2.5 | 0-15 |
| Infrastructure |
5.5 | 0-20 |
| Fixed Interest | 30.5 | 0-70 |
| Alternative strategies | 8 | 0-15 |
| Cash | 23.5 | 0-100 |
When reading the objectives and/or risks you should also read the important information about Risks of Sunsuper's investment options and Important information about expected returns in the Sunsuper for life Investment guide. The objectives are set by Sunsuper for monitoring our ongoing investment performance. The objectives may differ from the prescribed Return target disclosed in our MySuper dashboard which is calculated using a different methodology. Refer to Asset classes and How does Sunsuper use derivatives? in the Sunsuper for life Investment guide for more information on asset classes and how we used derivatives to rebalance them. You can monitor the latest investment performance here. Returns are after Investment fees and investment taxes but before Administration fees. Past performance is not a reliable indication of future performance. The Balanced, Retirement and Cash Pools commenced on 4 October 2013. The three Pools have identical investments to the respective investment options being, the Balanced, Retirement and Cash investment options. To show our performance for each Pool we have shown the returns of the respective options (adjusted to reflect fee differences where applicable) up to 4 October 2013 with returns of each Pool from 4 October 2013. Actual Investment fees may be less than or greater than that indicated. Refer to the Sunsuper for life guide for information about investment fees. The indirect cost ration is calculated using actual costs and reasonable estimates of actual costs incurred. Refer to the Sunsuper for life guide for information about indirect cost ratios. The Buy-sell spreads for each investment option may vary from time to time to reflect the Buy-sell spread charged by the relevant managers, refer the Sunsuper for life Investment guide for more information.
Investment performance
Ready for a change?
You can change your investment strategy any time through Member Online. If you need help call us on 13 11 84.
Learn more about investment options
Retirement
Designed for members who:
- Are close to, or have reached retirement.
- Want to generate wealth over the medium to long-term, while reducing the fluctuations of returns in the short-term.
Minimum suggested timeframe
- 5 years.
- Designed for some medium-term wealth accumulation.
Features
- Invests in a wide variety of asset classes to gain the benefits of diversification.
- Combination of active, enhanced index and index investment management.
- Invests in over 40 investment managers for diversification.
- Employs option strategies from time to time to reduce the impact of share market falls.
Objectives
Beat inflation over 10 years:
Super-savings account and Transition to retirement income account by 2.75% p.a. and Retirement income account by 3.25% p.a. (after Investment fees and costs and where applicable investment taxes).
Fees
Asset Allocation
| Strategic (%) |
Allowable Range (%) | |
| Australian shares | 19.25 | 0-50 |
| International shares |
15.25 | 0-55 |
| Private capital | 6 | 0-15 |
| Property | 9.5 | 0-30 |
| Diversified strategies |
2.5 | 0-15 |
| Infrastructure |
6.5 | 0-20 |
| Fixed Interest | 21.5 | 0-50 |
| Alternative strategies | 8 | 0-15 |
| Cash | 11.5 | 0-25 |
When reading the objectives and/or risks you should also read the important information about Risks of Sunsuper's investment options and Important information about expected returns in the Sunsuper for life Investment guide. The objectives are set by Sunsuper for monitoring our ongoing investment performance. The objectives may differ from the prescribed Return target disclosed in our MySuper dashboard which is calculated using a different methodology. Refer to Asset classes and How does Sunsuper use derivatives? in the Sunsuper for life Investment guide for more information on asset classes and how we used derivatives to rebalance them. You can monitor the latest investment performance here. Returns are after Investment fees and investment taxes but before Administration fees. Past performance is not a reliable indication of future performance. The Balanced, Retirement and Cash Pools commenced on 4 October 2013. The three Pools have identical investments to the respective investment options being, the Balanced, Retirement and Cash investment options. To show our performance for each Pool we have shown the returns of the respective options (adjusted to reflect fee differences where applicable) up to 4 October 2013 with returns of each Pool from 4 October 2013. Actual Investment fees may be less than or greater than that indicated. Refer to the Sunsuper for life guide for information about investment fees. The indirect cost ration is calculated using actual costs and reasonable estimates of actual costs incurred. Refer to the Sunsuper for life guide for information about indirect cost ratios. The Buy-sell spreads for each investment option may vary from time to time to reflect the Buy-sell spread charged by the relevant managers, refer the Sunsuper for life Investment guide for more information.
Investment performance
Ready for a change?
You can change your investment strategy any time through Member Online. If you need help call us on 13 11 84.
Learn more about investment options
Diversified options:
Actively managed:
- The Lifecycle Investment Strategy (Super-savings accounts only)
- Growth
- Balanced
- Socially Conscious Balanced
- Diversified Alternatives
- Retirement
- Conservative
Index (passively managed):
- Balanced – Index
Investment performance
Ready for a change?
You can change your investment strategy any time through Member Online. If you need help call us on 13 11 84.