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Transition to retirement income account - Make an investment choice

Choosing the right investment strategy for your Transition to retirement 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.

Leave it to us

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 Transition to retirement income account in our Retirement investment option.

The Today and Tomorrow strategy is available when starting a new Transition to retirement income account, or when adding money to an existing Transition to retirement income account. It is not available for Super-savings accounts. The Lifecycle Investment 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 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 Transition to retirement income account in the Retirement option.

* When reading the objectives and/or risks you should also read the important information on pages 9 and 27 of the Sunsuper for life Investment guide [PDF 8.5MB].
2. No investment tax generally applies for Income accounts.
3. Refer to pages 25 and 26 of the Sunsuper for life Investment guide [PDF 8.5MB] for more information on asset classes.
4. Actual Investment fees may be less than or greater than that indicated.
5. 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 to page 34 of the Sunsuper for life Investment guide [PDF 8.5MB] for more information.

Returns are after Investment fees and investment taxes (where applicable) but before Administration fees.

Past performance is not a reliable indication of future performance.

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

Indirect cost ratio: 0.64% 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 27.5 0-70
Private capital 7 0-15
Property 11 0-30
Infrastructure
8 0-20
Fixed Interest 8 0-30
Hedge funds 5 0-25
Cash 6 0-25
Diversified strategies 5 0-15

Investment performance and unit prices

Super-savings account

Retirement income account

Want to change your investment strategy?

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

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).2

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

Indirect cost ratio: 0.69%

Buy-sell spread: Nil

Asset Allocation

Strategic (%)
Allowable Range (%)
Australian shares 28.5 0-50
International shares
35.5 0-70
Private capital 10 0-20
Property 8 0-30
Infrastructure
8 0-20
Fixed Interest 0 0-20
Hedge funds 5 0-20
Cash 0 0-20
Diversified strategies 5 0-15

Investment performance and unit prices

Super-savings account

Retirement income account

Want to change your investment strategy?

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

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: 0.24% p.a.
• Performance-related: 0.03% p.a.

Indirect cost ratio: 0.43%

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 1 0-10
Property 9 0-20
Infrastructure
6 0-20
Fixed Interest 33 0-70
Hedge funds 6 0-15
Cash 22 0-100
Diversified strategies 5 0-15

Investment performance and unit prices

Super-savings account

Retirement income account

Want to change your investment strategy?

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

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

Indirect Cost ratio: 0.56%

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
15.5 0-55
Private capital 5 0-15
Property 10 0-30
Infrastructure
7 0-20
Fixed Interest 22 0-50
Hedge funds 6 0-15
Cash 12 0-25
Diversified strategies 5 0-15

Investment performance and unit prices

Super-savings account

Retirement income account

Want to change your investment strategy?

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

Our full range of investment options include:

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

Investment performance and unit prices

Super-savings account

Retirement income accounts

 Want to change your investment strategy?

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

To find out more about each of these investment options, take a look at our Sunsuper for life Investment guide [PDF 4.32MB].

* When reading the objectives and/or risks you should also read the important information on pages 9 and 27 of the Sunsuper for life Investment guide [PDF 8.5MB].
2. No investment tax generally applies for Income accounts.
3. Refer to pages 25 and 26 of the Sunsuper for life Investment guide [PDF 8.5MB] for more information on asset classes.
4. Actual Investment fees may be less than or greater than that indicated.
5. 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 to page 34 of the Sunsuper for life Investment guide [PDF 8.5MB] for more information.

Returns are after Investment fees and investment taxes (where applicable) but before Administration fees.

Past performance is not a reliable indication of future performance.