Returns over the last 10 years1
Suggested timeframe
Fees 2 + admin fees and costs
Suitable if you're an investor who:
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).
| Accumulation and TTR Income accounts: | CPI + 3.5% p.a. |
| Retirement Income accounts: | CPI + 4.0% p.a. |
| Super assets: | $16.9 billion |
| Pension assets: | $4.6 billion |
As at 30 September 20241
Our Balanced option for Accumulation accounts produced an after fees and superannuation tax return of 3.6% for the September quarter and 13.5% over the year to September 2024. The 10-year return of 8.3% p.a. remains above the option’s return objective of CPI+3.5% p.a.
Global share markets in aggregate produced positive returns over the September quarter and very strong returns over the year to September 2024. After disappointing returns in recent years, both Australian and global bonds delivered solid returns over the quarter and the year to September.
ART’s unlisted assets portfolios underperformed public markets over the September quarter and the year to September. However, superior asset selection is likely to have seen ART’s private assets portfolios outperform those of other funds.
In the SuperRatings survey for September 2024, the performance of the Balanced option was ahead of the median fund over 1, 3, 5, 7, and 10 years to the end of September 2024.
| Accumulation accounts | Retirement Income accounts4 | |
|---|---|---|
| 10 years (p.a.) | 8.31% | 9.14% |
| 7 years (p.a.) | 8.18% | 9.00% |
| 5 years (p.a.) | 7.61% | 8.37% |
| 3 years (p.a.) | 6.60% | 7.35% |
| 1 year | 13.49% | 15.12% |
| 3 months | 3.60% | 4.01% |
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.
| Strategic asset allocation5 | |
|---|---|
|
Australian shares
|
25.75% |
|
International shares
|
26.5% |
|
Unlisted assets and alternatives
|
29.5% |
|
Fixed income
|
16.25% |
|
Cash
|
2.0% |
| Total | 100% |
As at 30 September 2024
We don't design portfolios based on short-term economic, market or geopolitical forecasts. However, our investment team and external investment managers do seek to capitalise on opportunities that inevitably emerge during times of heightened market volatility.
We continue to hold a substantial allocation to the key unlisted asset classes – real estate, infrastructure, private equity, and private debt. As a large superannuation 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.
At the end of September 2024, the Dynamic Asset Allocation (DAA) strategy favoured shares over bonds. Within DAA’s shares allocation, Japanese, UK, and European shares were favoured over shares in the US and Australia. In fixed income, we remain overweight in Australia and the UK, and underweight in US, European, and Japanese bonds.
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