Class B - Lifecycle MySuper default - Conservative / Balanced

Australian Retirement Trust - QSuper Lifetime - Sustain 3 Group

Age-based default products tracked separately until a representative cohort method is finalised.

Class BLifecycle - Conservative / Balanced45% growth assetsSuggested timeframe: 5-7 yearsIncluded in ranked comparison

What this option is

45% of your money is in growth assets.

The remaining 55% 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

48bp

Total annual fee estimate for a $50,000 balance in the APRA data snapshot.

10-year net return

3.5%

Past performance is not a reliable indicator of future performance.

Classification evidence

Original fund labelQSuper Lifetime - Sustain 3 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.

Evidence source Trustee source

Similar options

Fund / option	Growth	Fees	10y net
The Bendigo Superannuation Plan Bendigo MySuper - Bendigo Conservative Index Fund - MySuper	49%	60bp	4.5%
Australian Retirement Trust QSuper Lifetime - Sustain 2 Group	50%	50bp	3.5%
Retirement Portfolio Service ANZ Smart Choice Super for employers and their employees - ANZ Smart Choice 1940S	50%	94bp	4.4%
Australian Retirement Trust QSuper Lifetime - Sustain 1 Group	54%	52bp	4.6%