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Balanced Index

A diversified portfolio of listed assets with around 75% growth assets (Australian and international shares).

Summary

10-yr returns as at 30 June 2025

 

7.42% p.a.

Returns over the last 10 years1

5+ years

Suggested timeframe

0.08% p.a.

Fees2 + admin fees and costs

Who it suits

Suitable if you're an investor who:

  • wants a diversified portfolio with around 75% growth assets (Australian and international shares)
  • wants to grow your super over the long term and wants an option that's lower cost than an actively managed option
  • is prepared to accept the option can have negative returns over the shorter term and has a higher allocation to growth assets than the Balanced option. It invests in listed asset classes that follow market indices and so will generally have lower fees than some of the actively managed diversified options
  • is prepared to accept the option may not be suitable if you have a low risk tolerance, are seeking to preserve your super, or are likely to need access to your super in the next few years.

Risk3

 
  • Very low
  • Low
  • Low to medium
  • Medium
  • Medium to high
  • High
  • Very high

Expected number of years of negative annual returns in any 20 years: 4 to less than 6. The risk is based on the standard risk measure (SRM).

Investment objective3

Accumulation and TTR Income accounts: CPI + 3.0% p.a.
Retirement Income accounts: CPI + 3.5% p.a.

Option size

Super assets: $2.0 billion
Pension assets: $1.1 billion

Balanced Index performance

As at 30 June 20251

World share markets enjoyed strong returns over the June quarter, despite ongoing concerns over global trade, and attacks on Iran and its nuclear infrastructure by both Israel and the US.

After share prices fell sharply in early in April in response to President Trump’s ‘Liberation Day’ tariff announcements, the president’s decision soon after to pause most of those tariffs for 90 days sparked a massive resurgence in world share markets. Australian and global fixed income returns were positive over the quarter, with Australian bonds generally outperforming global markets.

Accumulation accounts Retirement Income accounts4
10 years (p.a.) 7.42% 8.22%
7 years (p.a.) 7.63% 8.37%
5 years (p.a.) 8.84% 9.62%
3 years (p.a.) 11.60% 12.58%
1 year 11.78% 13.11%
3 months 6.04% 6.95%

Past performance isn't a reliable indicator of future performance. Returns shown are after investment fees and costs, transaction costs and investment taxes (where relevant) but before all other fees and costs.
Returns shown here for our Accumulation account are also the returns that apply for Transition to Retirement income accounts. Tax generally doesn't apply to investment earnings in Retirement Income accounts.

Balanced Index asset allocation

 

 Strategic asset allocation5
Australian shares
32.5%
International shares
42.5%
Fixed income
25.0%
Unlisted Assets and Alternatives
0.0%
Cash
0.0%
Total 100%

Benchmark: The market indices followed for each asset class are the same market indices we show for the Australian Shares Index, International Shares Unhedged Index, Bonds Index, and Cash options, although the proportions may differ. Currency is partially hedged for this option.

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  1. Past performance isn't a reliable indicator of future performance. Returns shown are after investment fees and costs, transaction costs and investment taxes (where relevant) but before all other fees and costs. Returns shown in the Summary table above are for Accumulation accounts. To show the performance of the Accumulation and Retirement Income accounts, we've used Sunsuper for life Balanced Index option returns up to 28 February 2022, then Super Savings Balanced Index option returns after that date.
  2. Fees refers to estimated investment fees and costs and transaction costs from 1 July 2025.
  3. When reading the objectives and/or risks please also read the information in the PDS that applies to you.
  4. Tax generally doesn't apply to investment earnings in Retirement Income accounts.
  5. From 1 July 2025. For more information on these asset classes, strategic asset allocations, and allowable ranges, read the PDS that applies to you.