Lifetime Aspire 2
If you are between 45 and 49 years old and have a Lifetime balance of $100,000 or more, we will invest your money in Aspire 2.1 Aspire 2 focuses on growth, with a strategy that has less risk than a higher-growth portfolio.
Objective
CPI +3.5% p.a.
An annual return of CPI +3.5% (after fees, costs and tax2), measured over rolling 10-year periods.
Timeframe
7+ years
We suggest you invest in this option for a minimum timeframe of 7 years or more.
Fees
0.44% p.a.
Investments fees and costs and transaction costs, excluding admin fees. Find out more.
Risk level
Very low
Low
Low to medium
Medium
Medium to high
High
Very high
You need to keep in mind that with Aspire 2, a negative annual return is expected between 4 and less than 6 times in any 20 years. Read more about the standard risk measure.
Performance
As at 30 June 2025
Asset allocation
As at 1 July 2025
| Assets |
Strategic asset allocation4 |
Ranges5 |
|
Australian shares |
27.5% |
15-47.5% |
|
International shares |
28.25% |
15-47.5% |
|
Unlisted assets and alternatives |
26.75% |
0-57.5% |
|
Fixed income
|
15.75% |
2.5-40% |
|
Cash |
1.75% |
0-17.5% |
1. Lifetime is the default option for members with an Accumulation account who have not made an investment choice.
2. This means after investment fees and costs, transaction costs, and investment taxes.
3. For periods up to 30 June 2024, unit prices and investment returns for this option are net of administration fees and costs, investment fees and costs, transaction costs and where applicable, investment taxes. From 1 July 2024, unit prices and investment performance are net of investment fees and costs, transaction costs and where applicable, investment taxes, but gross of administration fees and costs. You should consider this when comparing returns between options.
4. For more information on these asset classes, strategic asset allocations, and allowable ranges, read the PDS that applies to you.
5. We have the flexibility to invest within these predetermined ranges.