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Outlook
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Aspire 1
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Aspire 2
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Focus 1
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Focus 2
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Focus 3
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Sustain 1
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Sustain 2
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Sustain 3

Lifetime Outlook

If you are under 45 years old, we will invest your money in Outlook.1 Outlook focuses on growth. It aims to maximise your returns while you’re able to take on extra risk.

Objective

CPI +4.0% p.a.

An annual return of CPI +4.0% (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

0.50% 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 Outlook, 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
Account 10 years p.a. 7 years p.a. 5 years p.a. 3 years p.a. 1 year 3 months 1 month
Accumulation 6.93% 6.67% 7.50% 7.73% 11.70% 4.33% 1.53%
Past performance is not a reliable indicator of future performance.3

Asset allocation

As at 1 July 2025
Assets Strategic asset allocation4 Ranges5

Australian shares 32.25% 20-50%

International shares 33.25% 20-50%

Unlisted assets and alternatives 31.5% 0-60%

Fixed income
 1.0% 0-20%

Cash 2.0% 0-15%

View the detailed list of what this option invests in.

Find out about our sustainable investment approach.

Shareholdings

As at 30 June 2025

Australian shares - top 10 by value

International shares - top 10 by value

View the detailed list of what this option invests in.

View Outlook Dashboard

 

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.