Outstanding GoalTracker® returns

The GoalTracker Investment Option has delivered outstanding returns of up to 13.3% for the year to 31 December 2023.

The GoalTracker Investment Option , the default1 investment option for the Russell Investments Master Trust, has performed among the top of all MySuper super funds across the country, with outstanding returns of up to 13.3% for the 2023 calendar year.

Members aged 50 and under, who were invested in the GoalTracker Investment Option, enjoyed double-digit investment returns of 13.3% for the 2023 calendar year. Members aged 51 to 60 saw returns between 10.4% and 13.03% (depending on their age), while those over age 60 saw returns of 10.4% for the 2023 calendar year.

Age GoalTracker one year performance to 30/12/2023 GoalTracker annualised performance since inception (28/03/2020 to 30/12/2023)
30 13.3% 10.9%
40 13.3% 10.9%
50 13.3% 10.9%
55 11.9% 9.5%
60+ 10.4% 8%

Returns are net of investment fees, costs and investment taxes (where applicable), and also net of the Trustee Administration Fee. Other administration fees are not included in the calculation.. Source: Russell Investments. Past performance is not a reliable indicator of future performance.

Please note, members investing with GoalTracker Plus should refer to their Annual Benefit Statement each year for their personalised investment returns, which are usually sent around September.


How we invest

If you haven’t made an active investment choice2, we invest your super in the GoalTracker Investment Option.

The GoalTracker (MySuper) Investment Option automatically invests your super based on your age, through a diversified portfolio invested across a range of asset classes.

When you’re younger, your investment strategy will have a higher allocation to growth assets to help grow your super balance. To help protect your savings as you approach retirement, your allocation to defensive assets will increase.


Strong returns in a year of volatility

The results for the GoalTracker Investment option were achieved over a challenging economic year, with significant market volatility due to things like the ongoing risk of recession across the globe, rises in interest rates to battle inflation, and geo-political conflicts#.

However, share markets (particularly global shares) finished significantly higher for the year which helped boost the performance of our growth focused investment options. 


Make the most of the GoalTracker Program

There’s more to GoalTracker than being an investment option.

In fact, the innovative and award-winning GoalTracker program offers a simple, step-by-step approach to growing and managing your super. Designed to help take the guesswork out of super and retirement, in three simple steps our GoalTracker program can:

  1. CALCULATE the amount of income you’re heading for in retirement
  2. Help you SET an income goal that’s right for the retirement lifestyle you want
  3. Offered tailored advice and strategies to help ACHIEVE it.

In fact, one in four members have actively engaged with the GoalTracker program3. And if you haven’t done it already, why not log in to your online account and click the ‘Get a clearer picture’ button to get started today?

First time logging in? Register for online access.

Award-winning innovation

GoalTracker has been recognised globally for its innovation.

For further information about the methodology used by Chant West, see


We're here to help

Person with circles icon
Already a member?

Log in to access your super or retirement account and sort your super online.

Tablet device with a finger clicking icon
First time logging in?

Get set up in a few simple steps and access your online account.

Cellphone chat icon
Got a question?

Call us on 1800 555 667 or email us and we'll get back to you.

Want super on the go?

Download the Super Tracker App on the app store or on Google Play.

Download on the App store

Google logo

Want us to call you?

Simply fill in the form below and we’ll give you a call back.


Please note that it may take us up to three days to respond to your request and we will do our best to respond within the time frame you’ve specified above. We’ll only use this information to contact you in relation to this request. If we can’t reach you by phone, we may use the email address supplied to get in touch. Read our Privacy Policy.

^Source: MySuper performance comparison for 2023 prepared by Russell Investments based on Chant West data. GoalTracker’s 13.3% return (for members aged 50 and under) would rank 5th of 33 funds, and equal 12th of 90 investment options assessed by the data. The investment options included in the comparison include a wide range of MySuper products across quite different risk profiles and a wide range of ages.

#Source: Source: Russell Investments

1 The default or MySuper investment option is generally considered a fair measure, as it’s built on the principle of providing a simple, cost-effective and balanced product to members invested in a default investment option.

2 Check out the performance of the other options on our investment menu.

3 Source: Russell Investments – all eligible members as at 31 December 2023.