What this option is
54% of your money is in growth assets.
The remaining 46% is in defensive assets such as bonds and cash. That puts this option in the Conservative / Balanced band, typically used for 5-7 years or longer.
Caveat: Higher growth means more potential upside over the long run, but also more volatility year to year. This option's risk label expects a negative annual return about 1 in 8 years.
Fees
52bp
Total annual fee estimate for a $50,000 balance in the APRA data snapshot.
10-year net return
4.6%
Past performance is not a reliable indicator of future performance.
Classification evidence
Original fund labelQSuper Lifetime - Sustain 1 Group
Standard bucketLifecycle MySuper default
Growth bandConservative / Balanced (40-60% growth)
Risk bandMedium risk - about 1 in 8 years with a negative annual return
USI60905115063256
Performance testUnknown
Source statusComparable APRA metrics confirmed.
Comparison statusIncluded in ranked default comparison.
Data limitationNo public data limitations identified.
Similar options
| Fund / option | Growth | Fees | 10y net |
|---|
Smart Future Trust smartMonday Lifecycle - smartMonday Lifecycle Over 75 | 55% | 83bp | 3.3% |
Smart Future Trust smartMonday Lifecycle - smartMonday Lifecycle 73 | 56% | 83bp | 3.4% |
Smart Future Trust smartMonday Lifecycle - smartMonday Lifecycle 74 | 56% | 83bp | 3.3% |
Smart Future Trust smartMonday Lifecycle - smartMonday Lifecycle 71 | 57% | 83bp | 3.5% |
