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ANZ Smart Choice Super: September 2025

Published on 18 November 2025

ANZ Smart Choice Super delivers strong three-year returns across all Lifestage options

All ANZ Smart Choice Super Lifestage options delivered strong returns above 9% p.a. for the three years to 30 September 2025, reflecting solid performance across the board for members in these options.

Our 1960s–2000s Lifestage options also delivered double-digit returns over the one-year to 30 September 2025 and returns of over 12% per annum for the three years to 30 September 2025 – a great result for members.

 Latest investment returns to 30 June 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 30 September 2025.

Investment Option1 year (%)3 years (% p.a.)5 years (% p.a.)10 years (% p.a.)
1940s7.869.035.784.85
1950s9.4310.797.045.90
1960s11.3312.839.147.42
1970s11.6413.029.608.03
1980s12.0713.5610.25
8.51
1990s11.9913.4910.298.59
2000s11.9113.4010.21NA

Note: Please note that all returns are calculated after the deduction of investment fees and tax, 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 investment performance this year?

The performance of the ANZ Smart Choice Super Lifestage options was mainly driven by their exposure to global share markets, which have continued to perform well despite ongoing economic uncertainty.

But it’s not just share markets driving performance. The Lifestage options also include a mix of alternative assets and unlisted infrastructure, which help spread risk and support long-term growth. This diversified approach means your super savings aren’t relying on just one part of the market to deliver results, making the Lifestage options more resilient through different market conditions.

Further, as members near retirement, each Lifestage option gradually adjusts its asset allocation to become more conservative. This progressive change is intended to protect your savings and help maintain more stable investment performance during the later years of working life.

What’s ahead?

Global uncertainty – from trade tensions to geopolitical risks - continues to shape the investment landscape.

With share markets currently sitting at relatively high valuations, we’re taking a cautious, long-term approach. That means staying diversified across regions, industries and asset types, and being ready to act when new opportunities arise.

In short: we’re focused on keeping your investments resilient, while looking for smart ways to grow your retirement savings.

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.

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 PensionANZ 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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