This option is designed for members who want to generate wealth over the long-term, and gradually transition to lower-risk investments as they approach age 65.
For members who don’t choose how to invest their super, we’ll automatically invest your super in the Lifecycle Investment Strategy for you.
This option is not available for Retirement Income Accounts.
How it works
The diagram shows how we focus on generating wealth over the long-term in the Balanced Pool and transfer your balance gradually to the lower risk Retirement and Cash Pools as you near retirement.
Details of the investment pools
|Minimum suggested timeframe||5 years|
CPI + 3.5%
CPI + 2.75%
Match or exceed Performance benchmark.1, 3, 4
|Expected number of years of negative returns over any 20-year period||3 to less than 4||2 to less than 3||< 0.5|
Medium to high
Strategic asset allocation in pools (%)
|Hedge funds and Alternative strategies||6|
1. The Investment above are set by Sunsuper for monitoring our ongoing investment performance. This objective may differ from the Prescribed Return target disclosed on our MySuper Product Dashboard which is calculated using a different methodology.
2. After investment fees and costs and investment taxes.
3. Before investment tax but after investment fees and costs.
4. Performance benchmark: Bloomberg AusBond Bank Bill Index.
Estimated investment fees
|Performance related||0.04 p.a.|
|Indirect cost ratio||0.55 p.a.|
You can find out more about the Lifecycle Investment Strategy in the Sunsuper for life Investment guide.
If you'd prefer to design your own investment strategy, you can choose from 20 different investment options.