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Lifecycle Investment Strategy

The Lifecycle Investment Strategy is our industry recognised MySuper investment option.

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 only available for Super-savings 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

Balanced Pool

Retirement Pool

Cash Pool

Minimum suggested timeframe 5 years
Investment objectives

CPI + 3.5%
(over 10–year periods)1, 2

CPI + 2.75%
(over 10–year periods)1, 2

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
Risk label

Medium to high


Very low

Risk band


4 1

Strategic asset allocation in pools (%)

Balanced Pool %
Australian shares 26.3
International shares 24.5
Private capital 7
Property 11
Diversified strategies 4
Infrastructure 8
Fixed interest 9.7
Hedge funds and Alternative strategies 6
Cash 3.5


Retirement Pool %
Australian shares 19
International shares 13.8
Private capital 6
Property 10
Diversified strategies 4
Infrastructure 7
Fixed interest 20.7
Hedge funds and Alternative strategies 8
Cash 11.5


Cash Pool %
Cash 100

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

Fees %
Base 0.23 p.a.
Performance related 0.04 p.a.
Indirect cost ratio  0.52 p.a.
Buy-sell spread Nil

More information

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.