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Your investment options

Whether you’re happy to leave your investment choice to us, or a hands-on investor, we offer a wide range of investment options to suit different risk profiles and retirement goals.

The choice is yours

 Choose our default option - the Lifecycle Investment Strategy (for Super-savings accounts only).

 Choose from our single asset class options and/or diversified options to build an investment strategy that suits your needs and risk appetite.

 Choose a ready-made diversified option.

Download the Sunsuper for life Investment guide to learn more about our investment options.

Ready-made diversified 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.

 

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: 0.24%p.a.
  • Performance-related: 0.04%p.a.

Indirect cost ratio: 0.53% 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 26.3 0-50
International shares 24.5 0-70
Private capital 7 0-15
Property 11 0-30
Diversified strategies 4 0-15 
Infrastructure
8 0-20
Fixed Interest 9.7 0-30
Hedge funds and Alternative strategies 6 0-25
Cash 3.5 0-25

Investment performance

 Check the latest performance

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

Learn more about investment options

Download the Sunsuper for life Investment guide

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: 0.24% p.a.
  • Performance-related: 0.04% p.a.

Indirect cost ratio: 0.61%

Buy-sell spread: Nil

Asset Allocation

Strategic (%)
Allowable Range (%)
Australian shares 34 0-50
International shares
29.5 0-70
Private capital 11 0-20
Property 8.5 0-30
Diversified strategies  0-15
Infrastructure
8.5 0-20
Fixed Interest 0 0-20
Hedge funds and alternative strategies 4.5 0-20
Cash 0 0-20

Investment performance

 Check the latest performance

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

Learn more about investment options

Download the Sunsuper for life Investment guide

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 a 3-year period.

Fees

Estimated Investment fees

• Base: 0.23% p.a.
• Performance-related: 0.02% p.a.

Indirect cost ratio: 0.37%

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: 0.5 to less than 1.
  • Risk Label: Low
  • Risk Band: 2

Asset Allocation

Strategic (%)
Allowable Range (%)
Australian shares 9.3 0-30
International shares
5.5 0-30
Private capital 5 0-10
Property 9 0-20
Diversified strategies 0-15 
Infrastructure
6 0-20
Fixed Interest 29.7 0-70
Hedge funds and Alternative strategies 8 0-15
Cash 23.5 0-100

Investment performance

 Check the latest performance

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

Learn more about investment options

Download the Sunsuper for life Investment guide

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 and Transition to retirement income account by 2.75% p.a. and Retirement income account by 3.25% p.a. (after Investment fees and costs and where applicable investment taxes).

Fees

Estimated Investment fees

• Base: 0.23% p.a.
• Performance-related: 0.03% p.a.

Indirect Cost ratio: 0.47%

Buy-sell spreadNil 

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 19 0-50
International shares
13.8 0-55
Private capital 6 0-15
Property 10 0-30
Diversified strategies
4 0-15 
Infrastructure
7 0-20
Fixed Interest 20.7 0-50
Hedge funds and Alternative strategies 8 0-15
Cash 11.5 0-25

Investment performance

 Check the latest performance

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

Learn more about investment options

Download the Sunsuper for life Investment guide

Diversified options:

Actively managed:

Index (passively managed):

  • Balanced – Index 

Investment performance

 Check the latest performance

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

Learn more about investment options

Download the Sunsuper for life Investment guide