ANZ Smart Choice Super: June 2026

Super that helps you build towards a confident retirement

Published on 10 August 2026

ANZ Smart Choice Super 1960s–2000s Lifestage options have delivered strong, double-digit returns for members over one and three years to 30 June 2026

Over the year to 30 June 2026, returns were driven by global technology and AI-related investments, along with diversified assets that helped provide stability.

Returns were also helped by investments that are less affected by daily share market movements. These included investments that earn income from areas such as government-backed contracts and legal settlements, helping to provide additional diversification and stability.

Your ANZ Smart Choice Super Lifestage options automatically adjust as you move through different stages of life. When retirement is further away, more of your super is invested in growth assets to help it grow over the long term. As you get closer to retirement, the mix gradually becomes more balanced to help protect your savings from market ups and downs.

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 30 June 2026.

Returns for periods to 30 June 2026 (% per annum)

Investment Option	1 year (%)	3 years (% p.a.)	5 years (% p.a.)	10 years (% p.a.)
1940s	6.39	7.73	5.02	4.86
1950s	8.65	9.38	6.10	5.92
1960s	10.37	10.92	7.31	7.48
1970s	10.74	11.04	7.18	8.09
1980s	11.31	11.49	7.59	8.60
1990s	11.22	11.42	7.57	8.66
2000s	11.15	11.34	7.56	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.

Responding to changing market conditions and looking ahead

Investment markets shifted several times over the past year. At different points, uncertainty increased due to geopolitical events, conflicts and policy changes.

During these times, investment portfolios were adjusted by increasing exposure to growth assets when opportunities improved, such as after changes in US trade policy, and reducing risk when conditions became more uncertain, like ahead of the US-Israel and Iran conflict this year. While share markets may not deliver the same strong returns we've seen in recent years, the outlook remains positive.

Investment in technology and AI is continuing to support economic growth, while lower inflation could help reduce cost-of-living pressures for many households.

Markets will always go through periods of change, but super is a long-term investment. That's why we focus on helping members grow their super savings over time, while managing risk and adjusting portfolios when needed to keep them on track for their retirement goals.

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

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Need help?

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

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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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