Returns over the last 7 years1
Suggested timeframe
Fees2 + admin fees and costs
Suitable if you're an investor who:
Expected number of years of negative annual returns over any 20-year period: 3 to less than 4. The risk is based on the standard risk measure (SRM).
| Accumulation and TTR Income accounts: | CPI + 4.5% p.a. |
| Retirement Income accounts: | CPI + 5.0% p.a. |
| Super assets: | $605.7 million |
| Pension assets: | $252.2 million |
Important: In some unfavourable market conditions, we reserve the right to restrict investment option changes and benefit payments. This option isn't suitable if you're not prepared to tolerate this risk.
As at 30 June 20251
The portfolio invests in private equity, infrastructure, private credit, cash and (from 1 July 2024) in property. While private equity returns were marginally negative for the quarter, the remaining asset classes produced positive returns, with infrastructure and private credit the best performers. All asset classes have delivered positive returns over longer time horizons.
| Accumulation accounts | Retirement Income accounts4 | |
|---|---|---|
| 10 years (p.a.) | nil | nil |
| 7 years (p.a.) | 7.97% | 8.70% |
| 5 years (p.a.) | 9.65% | 10.55% |
| 3 years (p.a.) | 6.02% | 6.46% |
| 1 year | 6.69% | 7.03% |
| 3 months | 1.60% | 1.78% |
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.
We changed this option's investment strategy on 1 July 2024, so when you look at its performance, bear this in mind.
| Strategic asset allocation5 | |
|---|---|
|
Unlisted assets and alternatives
|
100.0% |
| Total | 100% |
As at 30 June 2025
During the quarter, our private equity team co-invested alongside Pacific Equity Partners in Opal Healthcare, the largest residential aged care owner and operator in Australia. The team also committed US$100 million to the Community Capital Private Equity fund (CCPE), a private equity fund-of-funds. In addition to providing access to best-in-class private equity managers at compelling fee terms, CCPE provides an additional social benefit with the majority of CCPE profits granted to support Australian social purpose organisations working on a range of societal issues. These include mental health, education, domestic violence, First Nations affairs, out of home care, and homelessness.
Our infrastructure team remains disciplined and selective in its investment process, with heightened appreciation for assets backed by robust, inflation linked cashflows that operate in transparent and stable regulatory settings. During the quarter, ART reached financial close on the ~A$1.4bn investment in US renewable energy platform, Pattern Energy.
Our real estate team continues to seek investments that are accretive from a risk-adjusted returns perspective and contribute positively to portfolio diversification. During the quarter, our real estate team committed ~A$300m to a ground up industrial development in Western Sydney, a sector poised to benefit from sustained growth in e-commerce penetration and increased population growth.
Our external private credit managers remain focused on providing financing to strong borrowers, particularly in segments where market inefficiencies create compelling lending opportunities. During the quarter, ART’s private credit team co-invested in several transactions in the corporate and asset-backed segments of the market.
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