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Your investment options

Whether you’re a hands-on investor or happy to leave it to the experts we have an investment option to suit you, your risk profile and your retirement goals. Decide how you want to invest your superannuation in your Super-savings account.

Lifecycle Investment Strategy

The Lifecycle Investment Strategy is our default investment option.

It is designed to grow your balance over time and transition your super to lower-risk investments near retirement.

 

Find out if it's right for you

 

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 of 20.


 See our full range of options under the "All" tab below.

 

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

Estimated Investment fees

  • Base: 0.27%p.a.
  • Performance-related: 0.04%p.a.

Indirect cost ratio: 0.56% 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 22.5 0-50
International shares 28.5 0-70
Private capital 7 0-15
Property 11 0-30
Infrastructure
8 0-20
Fixed Interest 9.5 0-30
Hedge funds and Alternative strategies 6 0-25
Cash 3.5 0-25
Diversified strategies 4 0-15

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 ration 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

Next steps...

The Dream Project

 Get wise on investing through super so you can make the smart moves. Learn how to Mastermind your investments.
  Find out what sort of investor you are and which of Sunsuper’s investment options may suit you. Take our quiz.

 

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: 0.27% p.a.
  • Performance-related: 0.04% p.a.

Indirect cost ratio: 0.58%

Buy-sell spread: Nil

Asset Allocation

Strategic (%)
Allowable Range (%)
Australian shares 29.5 0-50
International shares
34.5 0-70
Private capital 11 0-20
Property 8 0-30
Infrastructure
8 0-20
Fixed Interest 0 0-20
Hedge funds and alternative strategies 5 0-20
Cash 0 0-20
Diversified strategies 4 0-15

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 ration 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

Next steps...

The Dream Project

 Get wise on investing through super so you can make the smart moves. Learn how to Mastermind your investments.
  Find out what sort of investor you are and which of Sunsuper’s investment options may suit you. Take our quiz.

 

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: 0.25% p.a.
• Performance-related: 0.04% p.a.

Indirect cost ratio: 0.38%

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 8.5 0-30
International shares
9.5 0-30
Private capital 2 0-10
Property 9 0-20
Infrastructure
6 0-20
Fixed Interest 31.5 0-70
Hedge funds and Alternative strategies 7 0-15
Cash 22.5 0-100
Diversified strategies 4 0-15

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 ration 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

Next steps...

The Dream Project

 Get wise on investing through super so you can make the smart moves. Learn how to Mastermind your investments.
  Find out what sort of investor you are and which of Sunsuper’s investment options may suit you. Take our quiz.

 

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: 0.26% p.a.
• Performance-related: 0.04% p.a.

Indirect Cost ratio: 0.50%

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 17.5 0-50
International shares
16.5 0-55
Private capital 5 0-15
Property 10 0-30
Infrastructure
7 0-20
Fixed Interest 22.5 0-50
Hedge funds and Alternative strategies 7 0-15
Cash 10.5 0-25
Diversified strategies 4 0-15

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 ration 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

Next steps...

The Dream Project

 Get wise on investing through super so you can make the smart moves. Learn how to Mastermind your investments.
  Find out what sort of investor you are and which of Sunsuper’s investment options may suit you. Take our quiz.

 

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:

Index (passively managed):

  • Balanced – Index

Single asset class options:

Actively managed:

  • Shares
  • Australian Shares
  • Property
  • Diversified Bonds
  • Cash
  • Capital Guaranteed

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

Next steps...

The Dream Project

 Get wise on investing through super so you can make the smart moves. Learn how to Mastermind your investments.
  Find out what sort of investor you are and which of Sunsuper’s investment options may suit you. Take our quiz.