How Lifetime works

Lifetime automatically personalises your investment strategy based on your age and account balance, helping you get the most out of your super.

Tailored to your life stage

When you’re younger and focused on growing your balance, we’ll automatically put more emphasis on growth. When you’re nearing retirement, we’ll switch to a more stable strategy that protects your savings.

Adapts to how you are tracking

This option also considers your Lifetime account balance when setting your investment strategy. If you're nearing retirement with a low account balance, we'll make sure your super still has a chance to grow.

A set and forget solution

Every six months, we'll assess your situation and, if needed, move your money to another Lifetime group. We take care of all that behind the scenes – which means you can rest easy.

Lifetime investment groups1

Outlook (aged under 40)

Outlook focuses on growth and aims to maximise your returns while you're still in a life stage where you can take on extra risk.

Aspire (aged 40-49)

Aspire focuses on growth, but depending on your Lifetime account balance, will have a more aggressive or conservative investment strategy.

Focus (aged 50-57)

Focus changes your investment strategy away from growth and more towards protecting your superannuation savings, based on your Lifetime account balance.

Sustain (aged 58 or over)

Sustain protects your savings as you near retirement. If you have a low account balance, our aim is to still give your super a chance to grow.

Lifetime group Your age Lifetime balance Total fee2 Risk
Lifetime Outlook Under 40 Any balance 0.93% p.a. medium high risk   Medium to high
Lifetime Aspire 1 40-49 Less than $50,000 0.79% p.a. medium high risk   Medium to high
Lifetime Aspire 2 40-49 $50,000 or more 0.79% p.a. medium high risk   Medium to high
Lifetime Focus 1 50-57 Less than $100,000 0.68% p.a.  medium risk   Medium
Lifetime Focus 2  50-57 $100,000 to less than $250,000 0.68% p.a.  medium risk   Medium
Lifetime Focus 3 50-57 $250,000 or more 0.68% p.a.  medium risk   Medium
Lifetime Sustain 1 58 or over Less than $300,000 0.50% p.a.  low risk   Low
Lifetime Sustain 2 58 or over $300,000 or more 0.50% p.a.  very low risk   Very low

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