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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.

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.

Build your own investment strategy

If you'd prefer to build your own investment strategy, 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

Income account investment performance

The graph below shows the growth of an initial investment of $1,000 over a period of time based on the movements in unit prices, which are net of fees. Past performance is not a reliable indicator of future performance.

You can find out more about our Income account investment performance here.

Want to change your investment strategy?

If your circumstances change, you can change your investment strategy at anytime through Member Online.

Sunsuper’s investment options

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:

Investment Actively managed  Index (passively managed)
 Lifecycle

Lifecycle Investment Strategy
(Super-savings accounts only)

 
 Growth  Growth  
 Balanced  Balanced  Balanced – Index
 Retirement  Retirement  
 Conservative  Conservative                                                                                                                                                                                                                                                                                           
                                                                                                                                                                                   

Single asset class:

Investment Actively managed Index (passively managed)
Shares Shares  
Shares Australian Shares  Australian Shares – Index
Shares International Shares (hedged)  International Shares – Index (hedged)
Shares International Shares (unhedged)  International Shares – Index (unhedged)
Shares Emerging Markets Shares  
Property  Property  Australian Property – Index
Fixed Interest Fixed Interest  Fixed Interest– Index
Cash  Cash                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     

Special options:

Investment Actively managed Index (passively managed)
Special options Ethical, Environmental and Socially Responsible Investments
Special options 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.