Transition to retirement investment performance

Our investment team’s expertise and experience ensures our members’ retirement savings are in the best possible hands. View our competitive investment performance for our Super Savings Transition to Retirement Income account and compare our investment options.

Super Savings Diversified options (7 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.
Returns are net of investment fees and costs and where applicable investment taxes.

Growth

Designed for members who want to generate wealth over the long term, but with less risk than an option invested solely in shares

Asset allocation

85% Growth - 15% Defensive

Expected number of years of negative returns over any 20–year period:

4 to less than 6

Minimum suggested timeframe

7 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

9.49%
10 years

10 years

9.49%

9.65%
7 years

7 years

9.65%

9.75%
5 years

5 years

9.75%

10.01%
3 years

3 years

10.01%

14.00%
1 year

1 year

14.00%

Returns as at (% p.a.) ¹

Balanced

Designed for members who want to generate wealth over the long term

Asset allocation

70% Growth - 30% Defensive

Expected number of years of negative returns over any 20–year period:

4 to less than 6

Minimum suggested timeframe

5 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

8.30%
10 years

10 years

8.30%

8.23%
7 years

7 years

8.23%

8.10%
5 years

5 years

8.10%

8.18%
3 years

3 years

8.18%

11.80%
1 year

1 year

11.80%

Returns as at (% p.a.) ¹

Balanced - Index

Designed for members who are seeking to accumulate wealth over the long-term and want exposure to a range of publicly traded assets invested in line with standard market indices, with a focus on Australian and international shares.

Asset allocation

75% Growth - 25% Defensive

Expected number of years of negative returns over any 20–year period:

4 to less than 6

Minimum suggested timeframe

5 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

7.65%
10 years

10 years

7.65%

7.28%
7 years

7 years

7.28%

7.53%
5 years

5 years

7.53%

6.52%
3 years

3 years

6.52%

14.51%
1 year

1 year

14.51%

Returns as at (% p.a.) ¹

Socially Conscious Balanced

Designed for members who are seeking to accumulate wealth over the long term and who want to ensure that their investments are made in line with an extended set of environmental, social and governance principles.

Asset allocation

70% Growth - 30% Defensive

Expected number of years of negative returns over any 20–year period:

4 to less than 6

Minimum suggested timeframe

5 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

7.01%
10 years

10 years

7.01%

7.43%
7 years

7 years

7.43%

7.61%
5 years

5 years

7.61%

7.05%
3 years

3 years

7.05%

11.39%
1 year

1 year

11.39%

Returns as at (% p.a.) ¹

Diversified Alternatives

Designed for members who want to generate wealth over the medium to long term, but with reduced fluctuations in returns. This option provides greater exposure to unlisted investments and trading strategies.

Asset allocation

65% Growth - 35% Defensive

Expected number of years of negative returns over any 20–year period:

4 to less than 6

Minimum suggested timeframe

7 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

n/a
10 years

10 years

n/a

n/a
7 years

7 years

n/a

8.21%
5 years

5 years

8.21%

8.99%
3 years

3 years

8.99%

5.64%
1 year

1 year

5.64%

Returns as at (% p.a.) ¹

The Diversified Alternatives investment option commenced on 30 September 2017. “n/a” indicates the return for the period is not available.

Retirement

Designed for members who are close to, or have reached retirement. It is structured to generate wealth over the medium to long term, while providing some reduction to the fluctuation of returns in the short term.

Asset allocation

50% Growth - 50% Defensive

Expected number of years of negative returns over any 20–year period:

3 to less than 4

Minimum suggested timeframe

5 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

6.38%
10 years

10 years

6.38%

6.31%
7 years

7 years

6.31%

6.08%
5 years

5 years

6.08%

6.22%
3 years

3 years

6.22%

8.69%
1 year

1 year

8.69%

Returns as at (% p.a.) ¹

Conservative

Designed for members who seek less volatile returns for their super while maintaining some growth exposure. Using your money in the short term is likely to be your main purpose.

Asset allocation

31% Growth - 69% Defensive

Expected number of years of negative returns over any 20–year period:

1 to less than 2

Minimum suggested timeframe

3 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

4.86%
10 years

10 years

4.86%

4.56%
7 years

7 years

4.56%

4.20%
5 years

5 years

4.20%

4.19%
3 years

3 years

4.19%

6.09%
1 year

1 year

6.09%

Returns as at (% p.a.) ¹

Super Savings Single asset class options (11 options)

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

Designed for members who are seeking to accumulate wealth over the long term and who can accept full exposure to the ups and downs of the share markets.

Asset allocation

100% Growth - 0% Defensive

Expected number of years of negative returns over any 20–year period:

6 or greater

Minimum suggested timeframe

7 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

9.61%
10 years

10 years

9.61%

10.16%
7 years

7 years

10.16%

10.44%
5 years

5 years

10.44%

9.44%
3 years

3 years

9.44%

19.28%
1 year

1 year

19.28%

Returns as at (% p.a.) ¹

Australian Shares

Designed for members who are seeking to earn returns from investment in the Australian shares asset class employing active management aiming to achieve better long-term returns than available in the standard market index for this sector

Asset allocation

100% Growth - 0% Defensive

Expected number of years of negative returns over any 20–year period:

6 or greater

Minimum suggested timeframe

7 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

8.53%
10 years

10 years

8.53%

8.80%
7 years

7 years

8.80%

9.35%
5 years

5 years

9.35%

9.85%
3 years

3 years

9.85%

14.80%
1 year

1 year

14.80%

Returns as at (% p.a.) ¹

Australian Shares - Index

Designed for members who are seeking to earn returns from investment in the Australian shares asset class with passive management aiming to achieve long-term returns that are close to the returns of the standard market index for this sector

Asset allocation

100% Growth - 0% Defensive

Expected number of years of negative returns over any 20–year period:

6 or greater

Minimum suggested timeframe

7 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

8.60%
10 years

10 years

8.60%

8.95%
7 years

7 years

8.95%

9.44%
5 years

5 years

9.44%

10.02%
3 years

3 years

10.02%

14.31%
1 year

1 year

14.31%

Returns as at (% p.a.) ¹

International Shares - Index (hedged)

Designed for members who are seeking to earn returns from investment in the international shares asset class with currency exposure being hedged back to the Australian dollar and passive management aiming to achieve long-term returns that are close to the returns of the standard market index for this sector

Asset allocation

100% Growth - 0% Defensive

Expected number of years of negative returns over any 20–year period:

6 or greater

Minimum suggested timeframe

7 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

9.54%
10 years

10 years

9.54%

9.50%
7 years

7 years

9.50%

10.10%
5 years

5 years

10.10%

7.44%
3 years

3 years

7.44%

21.76%
1 year

1 year

21.76%

Returns as at (% p.a.) ¹

International Shares - Index (unhedged)

Designed for members who are seeking to earn returns from investment in the international shares asset class with currency exposure unhedged and passive management aiming to achieve long-term returns that are close to the returns of the standard market index for this sector

Asset allocation

100% Growth - 0% Defensive

Expected number of years of negative returns over any 20–year period:

6 or greater

Minimum suggested timeframe

7 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

12.39%
10 years

10 years

12.39%

12.31%
7 years

7 years

12.31%

12.43%
5 years

5 years

12.43%

12.40%
3 years

3 years

12.40%

24.80%
1 year

1 year

24.80%

Returns as at (% p.a.) ¹

Emerging Markets Shares

Designed for members who are seeking to earn returns from investment in the emerging market shares asset class with passive management aiming to achieve long-term returns that are close to the returns of the standard market index for this sector

Asset allocation

100% Growth - 0% Defensive

Expected number of years of negative returns over any 20–year period:

6 or greater

Minimum suggested timeframe

7 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

5.86%
10 years

10 years

5.86%

6.31%
7 years

7 years

6.31%

4.85%
5 years

5 years

4.85%

1.64%
3 years

3 years

1.64%

12.98%
1 year

1 year

12.98%

Returns as at (% p.a.) ¹

Property

Designed for members who are seeking to earn returns from investment in the global and Australian property asset class with some active management aiming to achieve better long-term returns than available in the standard market index for this sector

Asset allocation

63% Growth - 37% Defensive

Expected number of years of negative returns over any 20–year period:

4 to less than 6

Minimum suggested timeframe

7 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

7.05%
10 years

10 years

7.05%

6.01%
7 years

7 years

6.01%

4.81%
5 years

5 years

4.81%

5.06%
3 years

3 years

5.06%

0.59%
1 year

1 year

0.59%

Returns as at (% p.a.) ¹

Australian Property - Index

Designed for members who are seeking to earn returns from investment in the Australian property asset class with passive management aiming to achieve long-term returns that are close to the returns of the standard market index for this sector.

Asset allocation

100% Growth - 0% Defensive

Expected number of years of negative returns over any 20–year period:

6 or greater

Minimum suggested timeframe

7 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

9.63%
10 years

10 years

9.63%

7.38%
7 years

7 years

7.38%

5.97%
5 years

5 years

5.97%

9.93%
3 years

3 years

9.93%

30.29%
1 year

1 year

30.29%

Returns as at (% p.a.) ¹

Diversified Bonds

Designed for members who are seeking to earn returns from investment in the fixed interest asset class with active management aiming to achieve better long-term returns than available in the standard market index for this sector.

Asset allocation

0% Growth - 100% Defensive

Expected number of years of negative returns over any 20–year period:

4 to less than 6

Minimum suggested timeframe

5 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

1.99%
10 years

10 years

1.99%

1.35%
7 years

7 years

1.35%

0.42%
5 years

5 years

0.42%

-1.29%
3 years

3 years

-1.29%

2.16%
1 year

1 year

2.16%

Returns as at (% p.a.) ¹

Diversified Bonds - Index

Designed for members who are seeking to earn returns from investment in the fixed interest asset class with passive management aiming to achieve long-term returns that are close to the returns of the standard market index for this sector

Asset allocation

0% Growth - 100% Defensive

Expected number of years of negative returns over any 20–year period:

4 to less than 6

Minimum suggested timeframe

5 years

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

2.15%
10 years

10 years

2.15%

0.98%
7 years

7 years

0.98%

-0.09%
5 years

5 years

-0.09%

-1.77%
3 years

3 years

-1.77%

1.53%
1 year

1 year

1.53%

Returns as at (% p.a.) ¹

Cash

Designed for members who are seeking to accumulate a lump sum or derive income over time by earning returns that are close to the level of short-term interest rates in the Australian economy

Asset allocation

0% Growth - 100% Defensive

Expected number of years of negative returns over any 20–year period:

Less than 0.5%

Minimum suggested timeframe

1 year

Returns as at (% p.a.) ¹

Investment returns

As at (% p.a.) ¹

1.94%
10 years

10 years

1.94%

1.77%
7 years

7 years

1.77%

1.69%
5 years

5 years

1.69%

2.10%
3 years

3 years

2.10%

4.01%
1 year

1 year

4.01%

Returns as at (% p.a.) ¹

If you invest in this option, Australian Retirement Trust will invest 90% of your investment in the option into interest bearing accounts with authorised deposit-taking institutions (ADIs). 40% will be invested with the National Australia Bank (NAB) (ABN 12 004 044 937), 40% with the Commonwealth Bank of Australia (CBA) (ABN 48 123 123 124) and 10% will be invested with the Members Equity Bank Limited (ME) (ABN 56 070 887 679). Subject to the following: (1) Maintaining a specific allocation requires regular rebalancing and the actual allocation will vary between rebalancing dates; (2) Allocation to CBA and ME commenced on 15 December 2021 and will increase up to 40% and 10% respectively by 31 July 2022.

Important information

Past performance is not a reliable indicator of future performance. Investment returns are net of investment fees and costs and taxes (where applicable). Returns cover the period up to the date of merger as Sunsuper and from date of merger up to the date listed as part of Australian Retirement Trust.
Over the 10 years to 31 December 2023, our Super Savings Balanced option returned 7.9% p.a. (Accumulation), 7.9% p.a. (Super Savings Lifecycle Investment Strategy - Balanced Pool), and 8.7% p.a. (Income). The option has adopted the pre-merger investment strategy of the Sunsuper Balanced option. Source: SuperRatings Fund Crediting Rate Survey - SR50 Balanced (60-76) Index, 31 December 2023. The industry median return for the SR50 Balanced (60-76) Index comprises the 50 largest investment options with a similar asset allocation to growth style assets between 60-76%. The Super Savings Balanced option has identical investments to the Balanced Pool in the Lifecycle Investment Strategy. Members invested in the Lifecycle Investment Strategy are invested 100% in the Balanced Pool until age 55. Past performance is not a reliable indicator of future performance. Ratings and awards are only one factor to be taken into account when deciding to invest. Investment returns are net of investment fees and costs and taxes (where applicable). Super Savings products issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL No. 228975) as trustee for Australian Retirement Trust (ABN 60 905 115 063). Consider the Super Savings product disclosure statements and TMDs before deciding. Each investment option has a different performance objective, risk profile, asset allocation and investment style which may also change from time to time. Each of these features may be significant in respect of the investment return for any option. For full details of each option, refer to the Super Savings Investment Guide. For details of the fees and costs that apply to each option, for Accumulation accounts refer to the Super Savings Accumulation Guide and for Income accounts refer to the Super Savings Product Disclosure Statement for Income Account and Lifetime Pension.

The information on this page is provided for general information purposes only and is not to be relied on for the purposes of making a decision in relation to a financial product and is not a substitute for professional advice. Before making a decision, you should consider obtaining advice from an Australian financial services licensee.

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Benefits

Supplement your income with regular payments from your super while you transition to retirement
Continue making contributions to your super
Ease into retirement
Flexible income payments

Requirements

$30,000 minimum balance
Reached preservation age (55 to 60 depending on date of birth)
Maximum annual payment limit
Must also have a Super Savings Accumulation account

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Main region

Strong long-term returns

Super Savings Diversified options (7 options)

Growth

Balanced

Balanced - Index

Socially Conscious Balanced

Diversified Alternatives

Retirement

Conservative

Super Savings Single asset class options (11 options)

Shares

Australian Shares

Australian Shares - Index

International Shares - Index (hedged)

International Shares - Index (unhedged)

Emerging Markets Shares

Property

Australian Property - Index

Diversified Bonds

Diversified Bonds - Index

Cash

Important information

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