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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 Transition to retirement income account and compare our investment options.

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Solid, long-term returns

Our Balanced investment option has outperformed the industry average over 1, 3, 5, 7 and 10 years. (Source: SuperRatings Fund Crediting Rate Survey August 2019)1

8.37%p.a.

Over 10 years - Balanced option2

As at 30 September 2019

Super Ratings - 10 Yr Platinum Performance 2009 - 2019 

10 years Platinum Performance3

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.

Growth

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

Investment objective

Beat inflation over 10 years by 4% p.a. (after investment fees and costs and where applicable investment taxes).

Asset allocation

86% Growth  -  14% 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
8.84%
10 years
10 years
8.84%
10.91%
7 years
7 years
10.91%
9.86%
5 years
5 years
9.86%
11.41%
3 years
3 years
11.41%
8.40%
1 year
1 year
8.40%
Returns as at (% p.a.) 1

Balanced

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

Investment objective

Beat inflation over 10 years by 3.5% p.a. (after investment fees and costs and where applicable investment taxes).

Asset allocation

70% Growth  -  30% 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
8.37%
10 years
10 years
8.37%
10.16%
7 years
7 years
10.16%
9.02%
5 years
5 years
9.02%
10.16%
3 years
3 years
10.16%
8.23%
1 year
1 year
8.23%
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.

Investment objective

Closely match the return of the performance benchmark, before investment tax and investment fees and costs.

Performance benchmark: The strategic weighted return of the market indices for each asset class (refer to Weighted benchmark in the Sunsuper for life Investment Guide).

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
8.09%
10 years
10 years
8.09%
9.78%
7 years
7 years
9.78%
8.23%
5 years
5 years
8.23%
8.48%
3 years
3 years
8.48%
8.46%
1 year
1 year
8.46%
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.

Investment objective

Beat inflation over 10 years by 3.5% p.a. (after investment fees and costs and where applicable investment taxes).

Asset allocation

70% Growth  -  30% 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
7.22%
10 years
10 years
7.22%
8.76%
7 years
7 years
8.76%
7.01%
5 years
5 years
7.01%
8.20%
3 years
3 years
8.20%
6.54%
1 year
1 year
6.54%
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.

Investment objective

Beat inflation over 10 years by 4.5% p.a. (after investments fees and costs and where applicable investment taxes).

Asset allocation

52% Growth  -  48% Defensive

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

3 to less than 4

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
n/a
5 years
5 years
n/a
n/a
3 years
3 years
n/a
8.91%
1 year
1 year
8.91%
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.

Investment objective

Beat inflation over 10 years by 2.75% p.a. (after investment fees and costs and where applicable investment taxes).

Asset allocation

50% Growth  -  50% Defensive

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

2 to less than 3

Minimum suggested timeframe

5 years

Returns as at (% p.a.) 1
Investment returns
As at (% p.a.) 1










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.

Investment objective

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 3-year period.

Asset allocation

30% Growth  -  70% Defensive

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

0.5 to less than 1

Minimum suggested timeframe

3 years

Returns as at (% p.a.) 1
Investment returns
As at (% p.a.) 1
5.99%
10 years
10 years
5.99%
6.19%
7 years
7 years
6.19%
5.90%
5 years
5 years
5.90%
6.26%
3 years
3 years
6.26%
6.81%
1 year
1 year
6.81%
Returns as at (% p.a.) 1

Single asset class options (12 options)

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

Shares

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.

Investment objective

Beat the performance benchmark by 0.25% p.a. before investment taxes but after investment fees and costs, over rolling 5-year periods.

Performance benchmark: 50% S&P/ASX 300 Accumulation Index and 25% MSCI ACWI ex Australia IMI Index in $A and 25% MSCI ACWI ex Australia IMI index hedged to $A.

Asset allocation

100% Growth  -  0% 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
8.62%
10 years
10 years
8.62%
11.53%
7 years
7 years
11.53%
9.69%
5 years
5 years
9.69%
12.07%
3 years
3 years
12.07%
8.24%
1 year
1 year
8.24%
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

Investment objective

Beat the performance benchmark by 0.25% p.a. before investment tax but after investment fees and costs, over rolling 5-year periods.

Performance benchmark: S&P/ASX 300 Accumulation Index.

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
8.14%
10 years
10 years
8.14%
11.10%
7 years
7 years
11.10%
9.55%
5 years
5 years
9.55%
11.50%
3 years
3 years
11.50%
11.21%
1 year
1 year
11.21%
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

Investment objective

Closely match the return of the performance benchmark, before investment tax and investment fees and costs

Performance benchmark: S&P/ASX 300 Accumulation Index.

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
8.32%
10 years
10 years
8.32%
11.21%
7 years
7 years
11.21%
9.70%
5 years
5 years
9.70%
11.72%
3 years
3 years
11.72%
13.00%
1 year
1 year
13.00%
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

Investment objective

Closely match the performance benchmark, before investment tax and investment fees and costs.

Performance benchmark: MSCI World ex-Australia Investable Market Index (IMI) in $A (hedged).

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
10.83%
10 years
10 years
10.83%
11.51%
7 years
7 years
11.51%
8.53%
5 years
5 years
8.53%
10.29%
3 years
3 years
10.29%
1.46%
1 year
1 year
1.46%
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

Investment objective

Closely match the performance benchmark, before investment tax and investment fees and costs.

Performance benchmark: MSCI World ex-Australia Investable Market Index (IMI) in $A (unhedged).

Asset allocation

100% Growth  -  0% 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
11.63%
10 years
10 years
11.63%
16.04%
7 years
7 years
16.04%
12.39%
5 years
5 years
12.39%
13.85%
3 years
3 years
13.85%
7.89%
1 year
1 year
7.89%
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

Investment objective

Closely match the return of the performance benchmark before investment tax and investment fees and costs.

Performance benchmark: MSCI Emerging Markets Investable Market Index (IMI) in $A (unhedged).

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
4.58%
10 years
10 years
4.58%
7.26%
7 years
7 years
7.26%
5.66%
5 years
5 years
5.66%
9.33%
3 years
3 years
9.33%
4.24%
1 year
1 year
4.24%
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

Investment objective

Beat the performance benchmark before investment tax, but after investment fees and costs over rolling 5-year periods.

Performance benchmark: 25% FTSE EPRA/NAREIT Global REIT A$ (A$ hedged), 45% MSCI/Mercer Australia Core Wholesale Monthly Property Fund Index, 18.75% NCREIF Open End Diversified Core Equity Index (A$ hedged) and 11.25% MSCI Pan-European Quarterly Property Fund Index.

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

7 years

Returns as at (% p.a.) 1
Investment returns
As at (% p.a.) 1
8.50%
10 years
10 years
8.50%
9.43%
7 years
7 years
9.43%
8.74%
5 years
5 years
8.74%
7.47%
3 years
3 years
7.47%
8.11%
1 year
1 year
8.11%
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.

Investment objective

Closely match the return of the performance benchmark, before investment tax and investment fees and costs

Performance benchmark: S&P/ASX 300 A-REIT Accumulation Index.

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
10.32%
10 years
10 years
10.32%
12.90%
7 years
7 years
12.90%
12.45%
5 years
5 years
12.45%
8.70%
3 years
3 years
8.70%
16.81%
1 year
1 year
16.81%
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.

Investment objective

Beat the performance benchmark by 0.5% p.a. before investment tax but after investment fees and costs over rolling 3-year periods

Performance benchmark: 50% FTSE World Broad Investment Grade Index hedged in $A and 50% Bloomberg AusBond Composite 0+Yr Index

Asset allocation

0% Growth  -  100% 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
5.51%
10 years
10 years
5.51%
4.19%
7 years
7 years
4.19%
3.90%
5 years
5 years
3.90%
4.01%
3 years
3 years
4.01%
7.72%
1 year
1 year
7.72%
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

Investment objective

Closely match the return of the performance benchmark, before investment tax and investment fees and costs

Performance benchmark: 50% Bloomberg AusBond Composite 0 + Yr Index and 50% Bloomberg Barclays Global Aggregate Index, hedged to $A.

Asset allocation

0% Growth  -  100% 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
5.58%
10 years
10 years
5.58%
4.72%
7 years
7 years
4.72%
4.54%
5 years
5 years
4.54%
3.42%
3 years
3 years
3.42%
8.92%
1 year
1 year
8.92%
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

Investment objective

Match or exceed the returns of the performance benchmark, before investment tax but after investment fees and costs.

Performance benchmark: Bloomberg AusBond Bank Bill Index.

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
3.02%
10 years
10 years
3.02%
2.37%
7 years
7 years
2.37%
2.12%
5 years
5 years
2.12%
1.97%
3 years
3 years
1.97%
1.97%
1 year
1 year
1.97%
Returns as at (% p.a.) 1

Capital Guaranteed

Designed for members who are seeking to accumulate a lump sum or derive income over time with the benefit of guarantees from banks and insurance companies that the value of their investment will not decline. This option is designed to provide full security of capital, and modest returns over the medium to long term.

Investment objective

Beat the performance benchmark after investment tax (where applicable) and investment fees and costs over rolling 3-year periods.

Performance benchmark: Bloomberg AusBond Bank Bill Index after investment tax (where applicable).

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

3 years

Returns as at (% p.a.) 1
Investment returns
As at (% p.a.) 1
3.53%
10 years
10 years
3.53%
3.20%
7 years
7 years
3.20%
3.03%
5 years
5 years
3.03%
2.73%
3 years
3 years
2.73%
3.34%
1 year
1 year
3.34%
Returns as at (% p.a.) 1

Important information

  1. Past investment performance is not a reliable indicator of future performance. Returns may vary considerably over time.
  2. 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 Sunsuper for life Investment guide. For details of the fees and costs that apply to each option, refer to the Sunsuper for life guide.
  3. For ratings and awards information, visit our Ratings & awards page.
  4. Returns are net of investment fees and costs and where applicable investment taxes.
  5. 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
  • $60,000 minimum balance
  • Reached preservation age (55 to 60 depending on date of birth)
  • Maximum annual payment limit
  • Must also have a Super-savings account
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