Investing to suit Ash's stage in life

Ash has been putting money into super for two decades — all the while building a solid foundation of savings for the future. But with a likely retirement age of around 67, that future is still a fair way off, so there are plenty of years ahead to focus on growing those savings even more.

For now, Ash's super in MySuper Lifecycle will keep focusing on achieving strong investment growth, in order to achieve a better result in retirement.

Ash's MySuper Lifecycle investments are designed to gradually change into lower-risk investment options as retirement gets closer, but the first changes won't happen until Ash is 56.


Growing Ash's balance

Ash's super will be invested in the High Growth investment option. Its high allocation to growth assets (such as Australian and international shares), boosts the potential for high investment returns to help grow Ash's savings for many years to come. These investments also tend to carry higher levels of risk. But Ash still has many years of working and contributing ahead, which helps to reduce the impact of any short-term dips in investment markets.


For more information on Ash's projected benefit and investment allocation, download this flyer.



  • Ash's expected retirement balance*
New MySuper Lifecycle $459,000
Current MySuper Lifecycle $438,000
$21,000
  • $410,000
  • $420,000
  • $430,000
  • $440,000
  • $450,000
  • $460,000
  • $470,000

Our new MySuper Lifecycle approach is expected to add $21k to Ash's retirement balance. But no one can reliably predict how markets will perform in the future, so the final benefit could be substantially greater. Ash could potentially end up with an extra $68k at retirement, if market conditions are favourable.

Even if adverse markets were experienced just before retirement, our research indicates that Ash's super balance would still remain above or around where it would otherwise have been under the current MySuper Lifecycle investment approach.

* These superannuation projections are estimates and not guaranteed, based on key characteristics of our typical (average) 40 year old member. This includes median starting balance and average contributions and insurance arrangements at each age through to retirement at age 67 Investment returns after all tax and fees equal to the CPI + investment objective of the relevant Aware Super investment options as at 2 February 2021, assuming CPI = 2.5%. Results are based on today's dollar deflated using wage inflation (AWOTE) of 3% p.a. The upside and downside scenarios are constructed from internal projections that simulate possible future paths of returns, and reflects the top one third of possible outcomes and worst 10% of possible outcomes, respectively.