ANZ Smart Choice Super: December 2025

Published on 24 March 2026

ANZ Smart Choice Super 1960s–2000s Lifestage options delivered strong 3 and 5‑year performance to 31 December 2025

All ANZ Smart Choice Super Lifestage options delivered strong results over the three years to 31 December 2025.

Members in the 1960s–2000s Lifestage options benefited even more strongly, with these options achieving double digit returns over both the one-year and three-year periods to 31 December 2025.

Latest investment returns to 31 December 2025

Based on your decade of birth, the table below shows how your Lifestage investment option performed over the 1, 3, 5 and 10-year periods to 31 December 2025.

Investment Option	1 year (%)	3 years (% p.a.)	5 years (% p.a.)	10 years (% p.a.)
1940s	6.63	8.28	5.31	4.82
1950s	8.35	9.82	6.43	5.80
1960s	10.09	11.59	8.08	7.26
1970s	10.32	11.74	8.24	7.82
1980s	10.70	12.22	8.76	8.29
1990s	10.63	12.15	8.76	8.35
2000s	10.53	12.07	8.72	NA

Note: Please note that all returns are calculated after the deduction of investment fees and tax for accumulation members, but do not include account-based fees such as administration fees. Performance returns are annualised for periods greater than one year (p.a. = per annum). NA is shown where an investment option was not in existence at the start of the period. Past performance is not a reliable indicator of future performance.

What shaped this investment performance?

The performance of the ANZ Smart Choice Super Lifestage options was mainly driven from strong global share markets, especially technology companies.

To help smooth market ups and downs, the Lifestage options are also invested in assets like private companies, infrastructure and property. This mix helps protect your savings through changing conditions, while keeping your money working steadily towards your retirement.

Further, as members approach retirement, each Lifestage option gradually shifts to a more conservative mix, aiming to protect savings and reduce volatility later in working life.

What’s ahead?

We’re continuing to monitor recent events in the Middle East, but our focus remains firmly on managing your super with a long-term view that’s designed to navigate short-term market movements. Your super remains broadly diversified, and you can read our latest update on this here.

Need more information?

You can access your personalised ANZ Smart Choice Super returns by logging into your account and visiting the ‘Investment portfolio’ page via your ANZ Smart Choice Super account.

For those super members who like to control their own asset allocation mix, ANZ Smart Choice Super offers investment options covering the major individual asset classes. For members invested in these options, you can access returns by logging into your account, visiting the ‘Investment portfolio’ page and clicking ‘Compare Performance’ via your ANZ Smart Choice Super account.

Contact us

Get online

Register for online access to your ANZ Smart Choice Super account in less than two minutes.

If you’ve already registered, log in to manage your account.

Need help?

Message or call the ANZ Smart Choice Super team on 13 12 87 weekdays 8.30am to 6.30pm (AEST).

Find out how our Hearing and interpreting services can support you.

Email us

smartchoice@insigniafinancial.com.au

This information has been prepared by OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346) (OPC) as the issuer of the ANZ Smart Choice Super suite of products, which includes ANZ Smart Choice Super and Pension, ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees. OPC is the trustee of the Retirement Portfolio Service (ABN 61 808 189 263) (RPS) and the ANZ Smart Choice Super suite of products are part of the RPS. OPC is part of the Insignia Financial group of companies comprising Insignia Financial Ltd (ABN 49 100 103 722) and its related bodies corporate (Insignia Financial Group). The Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) (ANZ) brand is a trademark of ANZ and is used by OPC under licence from ANZ. ANZ and the Insignia Financial Group are not related bodies corporate. ANZ does not stand behind or guarantee these products.

This information is general in nature and does not take into account your objectives, financial situation and needs. Before acting on any of this information, you should consider its appropriateness, having regard to your objectives, financial situation and needs. You should consider obtaining financial advice before making any decisions based on this information. It is recommended that you consider the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) before you make any decisions about your superannuation or insurance. You can obtain the latest copy of the PDS (or other disclosure documents) and TMD by calling 13 12 87 or by searching for the applicable product on our website at hub.anzsmartchoice.com.au/forms.

Any general tax information provided is intended as a guide only and is based on our general understanding of taxation laws. It is not intended to be a substitute for specialised taxation advice or an assessment of your liabilities, obligations or claim entitlements that arise, or could arise, under taxation law, and we recommend you consult with a registered tax agent.

Opinions constitute the judgement of OPC at the time of issue and are subject to change. Neither OPC nor any member of the Insignia Financial Group, nor ANZ, accept responsibility for any loss or liability incurred by you in respect of any error, omission or misrepresentation in the information in this communication.

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