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Make an investment choice for your Super-savings account

Everyone has different retirement goals, that’s why we offer a broad range of investment options, so you can choose an investment to suit your personal circumstances, life stage and retirement goals.

Lifecycle investment strategy

The Lifecycle Strategy is designed for members who have a Super-savings account and want to generate wealth over the long-term, and gradually transition to lower-risk investments as they approach age 65. We do all the hard work for you by automatically moving your balance across three purpose built investment pools according to your age, effectively reducing your investment risk as you approach retirement.

If you’re a new member and don’t make an investment choice on joining we’ll invest your account 100% in the Lifecycle Strategy.

Build your own investment strategy

If you'd prefer to build your own investment strategy, you have a choice of 21 different investment options.

Super-savings account investment performance

The graph below shows the growth of an initial investment of $1,000 over a period of time based on the movements in unit prices, which are net of fees and taxes. Past performance is not a reliable indicator of future performance.

You can find out more about our Super-savings account investment performance here.

Conservative

Suited to investors who:

  • Seek less volatile returns for their super while maintaining some growth exposure.
  • Are likely to use their money in the short-term.

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

Investment mix

Retirement

Suited to investors 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.

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

Investment mix

Balanced

Suited to investors who:

  • Want to generate wealth over the long-term while being sensitive to the relative performance of other large Australian superannuation funds.

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

Investment mix

Growth

Suited to investors who:

  • Want to generate wealth over the long-term.
  • Are willing to accept short-term ups and downs in their returns, but want less risk than an option invested solely in shares.

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

Investment mix

Our full range of investment options include:

  • The Lifecycle Investment Strategy (Super-savings accounts only)
  • Diversified and single asset class options,
  • Actively managed and index options, and
  • Special options, for members who are looking for something a bit different.

To find out more about each of these investment options, view our Sunsuper for life Investment guide [PDF 8.4KB].

Diversified:

Investment Actively managed  Index (passively managed)
 Lifecycle

Lifecycle Investment Strategy
(Super-savings accounts only)

 
 Growth  Growth  
 Balanced  Balanced  Balanced – Index
 Retirement  Retirement  
 Conservative  Conservative                                                                                                                                                                                                                                                                                           
                                                                                                                                                                                   

Single asset class:

Investment Actively managed Index (passively managed)
Shares Shares  
Shares Australian Shares  Australian Shares – Index
Shares International Shares (hedged)  International Shares – Index (hedged)
Shares International Shares (unhedged)  International Shares – Index (unhedged)
Shares Emerging Markets Shares  
Property  Property  Australian Property – Index
Fixed Interest Fixed Interest  Fixed Interest– Index
Cash  Cash                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     

Special options:

Investment Actively managed Index (passively managed)
Special options Ethical, Environmental and Socially Responsible Investments
Special options Capital Guaranteed                                                                                         

The difference between active and index

Active management is based on the belief that the broad market can be beaten by picking higher performing securities or asset classes, despite the higher fees involved. Index (or passive) management is based on the belief that the broad market cannot be consistently beaten. Index options aim to replicate the performance of a broad market index such as the S&P/ASX 300 for Australian shares.