This option invests in a mix of investments using a multi-manager investment approach. It aims to provide a return comprising mainly of income with some capital appreciation over time.


    This option aims to:

  • to achieve a return (net of investment management fees) of at least 2% per annum above CPI over rolling 5 year periods.
  • to provide a living bonus payment to investors through the unique longevity pooling structure and based on the investor’s age, gender, amount invested and period of investment.
  • to provide a capital repayment of some of the investment to investors who have been invested for at least 12 full financial years

Investment timeframe

Designed to be held for the life of the investing member.


Risk level^ Low to medium
Risk band^ 3
Risk of negative return Estimated number of negative annual returns over any 20 year period. 1.2

^Refer to Standard Risk Measure table

Total indirect fees and cost

2018/2019 1.01%** More information

Asset allocation benchmarks

View SAA/ranges

Asset class SAA* (%) Range (%)
Cash Enhanced 205 - 35
Global Fixed Interest 45 0 - 65
Property 8 0 - 20
Defensive Alternatives 0 0 - 10
Growth Alternatives 0 0 - 10
Australian Shares 15 0 - 30
International Shares 5 0 - 20
Infrastructure70 - 15

*SAA - Strategic Asset Allocations

For further information on the LifetimePlus option please refer to the Product Disclosure Statement applicable to your account.

For a summary of the Energy Super investment options available to members click here.

All returns shown above are net effective earning rates (i.e. after tax and some fees). The FYTD Return and the 1yr rolling return are not annualised. The returns for all other periods are compound annualised averages. Refer to the Energy Super Annual Report for more information on how rates are calculated.

Investments can go up and down. Past performance is not necessarily indicative of future performance.

* CPI is measured by the All Groups Consumer Price Index For Australia.

** The total indirect fees and costs (including the indirect administration fee) is the estimated cost for the 2018/19 period.

This text is shown only on a small screen.

This text is shown on small screens and up.

This text is shown only on a medium screen.

This text is shown on medium screens and up.

This text is shown only on a large screen.

This text is shown on large screens and up.

This text is shown only on an xlarge screen.

This text is shown on xlarge screens and up.