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Lifestages Investment Strategy

Here at Slate Super, your super evolves with you. We personalise your investment strategy based on your gender, age and account balance, to help you reach your financial goals faster. 

How lifestages works

  • Tailored investment strategy: your super is invested in one of four pre-mixed investment options—Sand, Coral, Ocean and Sky—based on your gender, age and account balance
  • Adaptive asset allocation: younger members with smaller account balances will generally be invested in an option that has a higher allocation of growth assets, and gradually move through investment options that invest more heavily in defensive assets
  • We look out for you: we conduct an annual review of your personal investment strategy and move you to a different investment option if you meet the criteria, so you can sit back and relax

Focused on growth and maximising your returns, as your retirement savings have more time to withstand the rises and falls of the market

Focused on growth with slightly less exposure to market volatility to keep building your retirement savings

Focused on balancing growth with protecting your retirement savings by shifting towards defensive assets

Focused on maintaining a stable investment portfolio as you approach retirement

Our four investment options explained

SAND

CORAL

OCEAN

SKY

Suitability

Likely to suit long-term investors who want exposure to assets with potentially higher returns.

Likely to suit medium to long-term investors who want exposure to assets with potentially higher returns.

Likely to suit medium- term investors who want exposure to assets with potentially higher returns.

Likely to suit short to medium-term investors who are closer to retirement. 

Investment Return Objective 1

CPI + 3.00% p.a. over rolling 10-year periods

CPI + 2.50% p.a. over rolling 8-year periods 

CPI + 1.75% p.a. over rolling 6-year periods

CPI + 0.50% p.a. over rolling 3-year periods

Asset Classes Benchmark Allocations

Lower

Upper

B/Mark

Lower

Upper

B/Mark

Lower

Upper

B/Mark

Lower

Upper

B/Mark

Australian Equities

43%

63%

53%

3%

52%

42%

23%

43%

33%

7%

27%

17%

International Equities

35%

55%

45%

28%

48%

38%

17%

37%

27%

3%

23%

13%

Australian Direct Property 2

0%

12.5%

0%

0%

10%

0%

0%

7.5%

0%

0%

5%

0%

Total Growth

90%

100%

98%

70%

90%

80%

50%

70%

60%

20%

40%

30%

Australian Fixed Interest

0%

2.5%

0%

2.5%

7.5%

5%

5%

25%

15%

15%

35%

25%

International Fixed Interest

0%

2.5%

0%

5%

15%

10%

5%

25%

15%

15%

35%

25%

Investment Grade Credit

0%

2.5%

0%

0.5%

5.5%

3%

2.5%

7.5%

5%

5%

25%

15%

Cash

0%

4.5%

2%

0%

4.5%

2%

2.5%

7.5%

5%

2.5%

7.5%

5%

Total Defensive

0%

10%

2%

10%

30%

20%

30%

50%

40%

60%

80%

70%

SRM 3

High

High

High

Medium / High

ENR 4

5.30

5.00

4.60

3.30

1 Target investment return objective is after investment fees and taxes have been paid but before administration fees have been deducted. While we aim to achieve this return objective, future returns are not guaranteed.
2 There is currently no allocation to Direct Property. On obtainment of sufficient funds under management, an Australian Direct Property manager will be appointed, and the investment strategy updated.
3 Standard Risk Measure. For more information, see Additional Information Booklet or contact us.
4 Estimated number of negative annual returns over any 20-year period. For more information, see Additional Information Booklet or contact us.

Find out which lifestage you belong to

Male* (Other)

Account Balance ($,000)

AGE

0-100

100-200

200-300

300-400

400-500

500-600

600-700

700+

18-24

Sand

Coral

Ocean

Sky

Sky

Sky

Sky

Sky

25-34

Sand

Sand

Coral

Ocean

Sky

Sky

Sky

Sky

35-44

Sand

Sand

Sand

Coral

Ocean

Sky

Sky

Sky

45-54

Sand

Sand

Sand

Sand

Coral

Ocean

Sky

Sky

55-64

Sand

Sand

Sand

Sand

Sand

Coral

Ocean

Sky

65-69

Sand

Sand

Sand

Sand

Coral

Sky

Sky

Sky

70-74

Coral

Coral

Ocean

Ocean

Sky

Sky

Sky

Sky

75-84

Ocean

Sky

Sky

Sky

Sky

Sky

Sky

Sky

85+

Sky

Sky

Sky

Sky

Sky

Sky

Sky

Sky

* If you elect Transgender, Intersex or Other on the Join Form, you will be invested in accordance with the investment strategy outlined above.
^ If you are under the age of 18, you will be invested in accordance with the 18-24 age group.

Female

Account Balance ($,000)

AGE

0-100

100-200

200-300

300-400

400-500

500-600

600-700

700+

18-24

Sand

Coral

Ocean

Ocean

Ocean

Sky

Sky

Sky

25-34

Sand

Sand

Coral

Ocean

Ocean

Sky

Sky

Sky

35-44

Sand

Sand

Sand

Coral

Ocean

Ocean

Sky

Sky

45-54

Sand

Sand

Sand

San

Coral

Ocean

Sky

Sky

55-64

Sand

Sand

Sand

Sand

Sand

Coral

Ocean

Sky

65-69

Sand

Sand

Sand

Sand

San

Coral

Ocean

Sky

70-74

Coral

Coral

Coral

Sand

Coral

Coral

Coral

Sky

75-84

Ocean

Ocean

Sky

Ocean

Sky

Sky

Sky

Sky

85+

Sky

Sky

Sky

Sky

Sky

Sky

Sky

Sky

^ If you are under the age of 18, you will be invested in accordance with the 18-24 age group.

IMPORTANT: You are not able to elect the investment option that you want your account balance invested in, or switch investment
options. Your personal investment strategy is reviewed annually, on the last business day of the month that you joined Slate Super. If our review indicates that your account should be moved to a different investment option, this may take up to a week to action. To find out more, please read Section 5 of the PDS – How we invest your super.

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