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High Growth

Offers a diversified portfolio with around 85% growth assets, and less risk than investing only in shares.

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Summary

10-yr returns as at 30 June 2025

 

9.40% p.a.

Returns over the last 10 years1

7+ years

Suggested timeframe

0.70%

Fees2 + admin fees and costs

Who it suits

Suitable if you're an investor who:

  • wants a diversified portfolio with around 85% growth assets, with less risk than investing only in shares
  • is willing to take higher risk for higher long-term returns
  • is prepared to accept that the option can have negative returns over the short and medium term
  • 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 + 4.0% p.a. 
Retirement Income accounts: CPI + 4.5% p.a.

Option size

Super assets: $25.6 billion
Pension assets: $2.0 billion

High Growth performance

As at 30 June 20251

World share markets enjoyed remarkably 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.

Our real estate, private equity and infrastructure portfolios underperformed public markets in the June quarter, particularly given the very strong returns from equity markets.

The 10-year accumulation return of 9.4% p.a. remains well above the option’s return objective of CPI plus 4.0% p.a.

In the SuperRatings survey for June 2025, our High Growth option's performance was in line with the median fund over the quarter, and ahead over 1, 3, 5, 7, and 10 years to the end of June 2025.

Accumulation accounts Retirement Income accounts4
10 years (p.a.) 9.40% 10.30%
7 years (p.a.) 9.27% 10.15%
5 years (p.a.) 11.81% 12.97%
3 years (p.a.) 11.72% 12.94%
1 year 11.90% 13.13%
3 months 5.41% 6.04%

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.

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High Growth asset allocation

 

 Strategic asset allocation5
Australian shares
32.25%
International shares
33.25%
Unlisted assets and alternatives
31.5%
Fixed income
1.0%
Cash
2.0%
Total 100%

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Outlook and strategy

As at 30 June 2025

We continue to hold a substantial allocation to the key unlisted asset classes – real estate, infrastructure, private equity and private debt. As a large fund, we have well-diversified portfolios of these assets that we expect will deliver strong, long-term returns, while reducing our members’ exposures to share market volatility. We don't design portfolios based on short-term economic, market or geopolitical forecasts. However, our investment team and external investment managers still seek to capitalise on opportunities that emerge during times of heightened market volatility.

At the end of June 2025, our active asset allocation slightly favoured bonds over shares and cash. We also sought to take advantage of significant differences in relative value between countries. Within the shares allocation, we preferred Japanese shares over shares in the US and Australia. In fixed income, we were overweight in France, UK, Italy and Australia, and maintained underweight positions in Canadian, German and Japanese bonds. Our currency exposure is underweight in the US dollar, while favouring Asian and Latin American currencies.

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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 Accumulation and Retirement Income accounts, we have used Sunsuper for life Growth option returns up to 28 February 2022, then Super Savings Growth option returns after that date. This option was previously called Growth. We renamed it High Growth on 1 July 2024.
  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.