DateMay 31, 2018
Asset allocation changes with investor age, and new data from superannuation research house SuperRatings reveals this is also the case with superannuation.
The latest SuperRatings data shows a steady trend toward more defensive assets as super members get older, reflecting the gradual shift in asset allocation determined by superannuation product providers. This shift to safer asset classes becomes most pronounced from the age of 50.
In their early working lives super members on average have a stronger weighting to Aussie and international shares with lower levels of exposure to fixed income and cash. However, around the age of 50 super members on average tend to have a higher exposure to fixed income and cash at the expense of growth assets such as domestic and international equities. By the age of 75 the average super member will have over 31% of assets in fixed income and cash compared to 17% at age 20 and just over 22% at age 50.
Asset allocation by age group
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