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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.

Leave it to us

The Lifecycle Investment Strategy

If you don't make an investment choice when you join Sunsuper, we'll invest your Super-savings account 100% in the Lifecycle Investment Strategy. The Lifecycle Investment Strategy automatically adjusts your investment as you age, effectively reducing your investment risk as you approach retirement. This option suits members who want an investment strategy that meets their needs no matter what life stage they’re at.

Learn more about the Lifecycle Investment Strategy. 

Choose your own investment mix

If you'd prefer to take control of your super, take a look at our diversified investment options under each tab below, or our full range of investment options under the "All" tab to help you decide which is best for you.

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 options:

Actively managed:

  • Lifecycle Investment Strategy (Super-savings accounts only)
  • Growth
  • Balanced
  • Retirement
  • Conservative

Index (passively managed):

  • Balanced – Index

Single asset class options:

Actively managed:

  • Shares
  • Australian Shares
  • International Shares (hedged)
  • International Shares (unhedged)
  • Emergin Markets Shares
  • Property
  • Fixed Interest
  • Cash

Index (passively managed):

  • Australian Shares – Index
  • International Shares – Index (hedged)
  • International Shares – Index (unhedged)
  • Australian Property – Index
  • Fixed Interest – Index

Special options:

Actively managed:

  • Ethical, Environmental and Socially Responsible Investments
  • 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.

Want to change your investment strategy?

If you change your circumstance change, you can change your investment strategy at anytime through Member Online.