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Make an investment choice for your Income account

Choosing the right investment strategy for your Income account can make a significant difference to your retirement income. You can choose the Today and Tomorrow Strategy or can select from a range of investment options on offer.

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The Today and Tomorrow strategy

Our Today and Tomorrow strategy invests in the Cash investment option equal to twice the annual income payment amount you nominate, and the remainder of your Income account in our Retirement investment option.

The Today and Tomorrow strategy is available when starting a new Income account, or when adding money to an existing Income account. It is not available for Super-savings accounts. The Lifecycle Strategy is designed for members who have a Super-savings account.

Income payments with Today and Tomorrow strategy

Our Today and Tomorrow strategy provides you with peace of mind. Your income payments are initially paid from the Cash investment option until there are no longer enough funds to make regular payments, then they are paid proportionally across your account.

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.

You can select up to ten different options from our full investment range. If you don't make a choice, we’ll invest your Income account in the Retirement option.

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.