Retirement investment option
This is our default investment option for members that have an Income Account and want to keep their super working for them in retirement.
The Today and Tomorrow strategy
Our Today and Tomorrow strategy invests in the cash investment option equal to twice the annual income payment amount you nominate, and the remainder of your Income account in our Retirement investment option.
The Today and Tomorrow strategy is available when starting a new Income Account, or when adding money to an existing Income Account. It’s designed for members in retirement who want peace of mind. Member’s income payments are initially paid from the Cash investment option until there are no longer enough funds to make regular payments, then they are paid proportionally across your account.
Take control
Ready-made 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.
Check the ready-made options under the tabs below.
Build-your-own
Build your own investment strategy by choosing a single option or up to 10 options from our full range. See our full range of options under the "All" tab below.
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 by 3.5% p.a. and Transition to retirement income account Income account by 2.75% and Retirement income account by 3.25% p.a. after Investment fees and costs and where applicable investment taxes).
Fees
Estimated Investment fees
• Base: 0.24% p.a.
• Performance-related: 0.03% p.a.
Indirect Cost ratio: 0.60%
Buy-sell spread:Nil
Risks
- Medium levels of volatility in the returns from year to year.
Standard Risk Measure
- Expected number of years of negative returns over any 20 year period: 2 to less than 3.
- Risk Label: Medium
- Risk Band: 4
Asset Allocation
| Strategic (%) |
Allowable Range (%) | |
| Australian shares | 19 | 0-50 |
| International shares |
15.5 | 0-55 |
| Private capital | 5.5 | 0-15 |
| Property | 9.5 | 0-30 |
| Infrastructure |
8 | 0-20 |
| Fixed Income | 26.5 | 0-50 |
| Alternative strategies | 7 | 0-15 |
| Cash | 9 | 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 ratio 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.
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
Investment reports
Our investment reports provide a regular update on the economy and the market, along with the management and performance of our investment options.
Learn moreGet the market wrap
Sunsuper Chief Economist Brian Parker explains what’s happening around the world and what it could mean for your super investment.
Master the basic terms
Learn the definitions of some of the basic terms you should know to mastermind your investment.
Test your inner investor
Find out what sort of investor you are and which of Sunsuper’s investment options may suit you.
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
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).
Estimated Investment fees
- Base: 0.24%p.a.
- Performance-related: 0.03%p.a.
Indirect cost ratio: 0.59% p.a.
Buy-sell spread:Nil
Risks
Medium to high levels of volatility in the returns from year to year.
Standard Risk Measure
Expected number of years of negative returns over any 20 year period: 3 to less than 4.
Risk label: Medium to high.
Risk band: 5
Asset Allocation
| Strategic (%) |
Allowable Range (%) | |
| Australian shares | 26.5 | 0-50 |
| International shares | 27 | 0-70 |
| Private capital | 6.5 | 0-15 |
| Property | 9.5 | 0-30 |
| Infrastructure |
8.5 | 0-20 |
| Fixed Income | 12.5 | 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 ratio 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.
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
Investment reports
Our investment reports provide a regular update on the economy and the market, along with the management and performance of our investment options.
Learn moreGet the market wrap
Sunsuper Chief Economist Brian Parker explains what’s happening around the world and what it could mean for your super investment.
Master the basic terms
Learn the definitions of some of the basic terms you should know to mastermind your investment.
Test your inner investor
Find out what sort of investor you are and which of Sunsuper’s investment options may suit you.
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.
Standard Risk Measure
Expected number of years of negative returns over any 20 year period: 4 to less than 6.
Risk Label: High
Risk Band: 6
Fees
Estimated Investment fees
- Base: 0.24% p.a.
- Performance-related: 0.04% p.a.
Indirect cost ratio: 0.69%
Buy-sell spread: Nil
Asset Allocation
| Strategic (%) |
Allowable Range (%) | |
| Australian shares | 34 | 0-50 |
| International shares |
32 | 0-70 |
| Private capital | 10 | 0-20 |
| Property | 8.5 | 0-30 |
| Infrastructure |
8.5 | 0-20 |
| Fixed Income | 2 | 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 ratio 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.
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
Investment reports
Our investment reports provide a regular update on the economy and the market, along with the management and performance of our investment options.
Learn moreGet the market wrap
Sunsuper Chief Economist Brian Parker explains what’s happening around the world and what it could mean for your super investment.
Master the basic terms
Learn the definitions of some of the basic terms you should know to mastermind your investment.
Test your inner investor
Find out what sort of investor you are and which of Sunsuper’s investment options may suit you.
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 periods of 2 to 5 years.
Fees
Estimated Investment fees
• Base: 0.24% p.a.
• Performance-related: 0.03% p.a.
Indirect cost ratio: 0.56%
Buy-sell spread: Nil
Risks
- Low to medium levels of volatility in returns from year to year
Standard Risk Measure
-
Expected number of years of negative returns over any 20 year period: 1 to less than 2.
Risk Label: Low to medium - Risk Band: 3
Asset Allocation
| Strategic (%) |
Allowable Range (%) | |
| Australian shares | 9.25 | 0-30 |
| International shares |
7.25 | 0-30 |
| Private capital | 4.5 | 0-10 |
| Property | 8 | 0-20 |
| Infrastructure |
6.5 | 0-20 |
| Fixed Income | 34.5 | 0-70 |
| Alternative strategies | 8 | 0-15 |
| Cash | 22 | 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 ratio 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.
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
Investment reports
Our investment reports provide a regular update on the economy and the market, along with the management and performance of our investment options.
Learn moreGet the market wrap
Sunsuper Chief Economist Brian Parker explains what’s happening around the world and what it could mean for your super investment.
Master the basic terms
Learn the definitions of some of the basic terms you should know to mastermind your investment.
Test your inner investor
Find out what sort of investor you are and which of Sunsuper’s investment options may suit you.
Build your own investment strategy
To build your own investment strategy, choose up to 10 options below. You can choose from both the diversified options and/or any of the single asset classes.
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
Single asset class options:
Actively managed:
- Shares
- Australian Shares
- Property
- Diversified Bonds
- Cash
Index (passively managed):
- Australian Shares – Index
- International Shares – Index (hedged)
- International Shares – Index (unhedged)
- Emerging Markets Shares
- Australian Property – Index
- Diversified Bonds – Index
^ The Socially Conscious Balanced invests in the Responsible Investment Leaders Balanced Fund, which is managed by AMP Capital Investors. View holdings.
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
Investment reports
Our investment reports provide a regular update on the economy and the market, along with the management and performance of our investment options.
Learn moreGet the market wrap
Sunsuper Chief Economist Brian Parker explains what’s happening around the world and what it could mean for your super investment.
Master the basic terms
Learn the definitions of some of the basic terms you should know to mastermind your investment.
Test your inner investor
Find out what sort of investor you are and which of Sunsuper’s investment options may suit you.