Investment Returns

As part of your Alcoa of Australia Retirement Plan, you work hard for your super and on the same merit, we do too. Our aim is to deliver you strong returns so you can retire well. On this page, you can learn more about our investment performance since the Plan started in 2001 and what to consider when considering a change to your investment options.


Your superannuation is typically a long-term investment. As the marketplace and economic conditions change within Australia and globally, your investment performance may be impacted. You can expect that being an investor in Australian shares is considered a higher risk strategy as opposed to other investment types such as cash or property.

If an investment is more stable over time, the risk is perceived as lower, however, you may miss out on the possibility of higher returns that greater risk strategies, like shares, can provide.

An important point to be aware of is that as markets fluctuate, if you change your investment strategy without considering the long-term impact, you could be worse off in the long run.

Before making an investment change, you should consider speaking to an independent licenced financial adviser who will take into account your personal circumstances.

Over 5 years, the Alcoa Plan accumulation Equity Option has delivered 9.6% p.a. return for members*.


Select the division of the Plan you are with or interested in.

Weekly Crediting Rates 

Defined Benefit and Accumulation 

Retained Benefit

Allocated Pension

Transition to Retirement


Defined Benefit and Accumulation: if you or a family member are a current Alcoa employee, you are a member of this division.

Retained Benefit: when you or your family member are no longer employed with Alcoa as you are a member of the Retained Benefit division.

Allocated Pension: if you have applied for a pension account to enjoy your retirement income.

Transition to Retirement (TTR): allows you to access your super whilst you are still working. This is available to those who have reached their preservation age.


You can change your investment strategy with the investment strategy change request form or via Member Online. Your strategy can be changed by allocating a percentage of your assets out of 100%.

There are currently four different investment options available based on your risk appetite:

1.      Equity Option: higher risk

2.      Growth Option: higher risk

3.      Capital Stable Option: low to medium risk

4.      Enhanced Cash Option: very low risk

Higher risk can lead to greater returns

Higher risk often leads to greater gain opportunities as noted by the Equity Option performing 11.55% over the past 5 years to June 2021, compared to 1.68% for the Enhanced Cash Option. These percentages have a large impact on your returns and what you can end up with when you look to retire.

Key considerations when changing an investment option

If you are making an investment change outside of Member Online, the form can be posted or emailed. The effective date for your investment switch is the day we receive your form.

When you choose to switch your current balance to a different strategy, this will be processed as soon as the crediting rates for the week have been declared.

The cut-off is 4pm each Tuesday. A switch request will be processed on the Wednesday following the week it is received. The week is determined from Tuesday (after 4pm) to Tuesday of the following week (before 4pm). Any request received within that window will be processed on the Wednesday of the following week. Note: All times are AEST/AEDT.


Being aware of market changes and conditions

The global financial crisis from 2007 to 2009 resulted in markets fluctuating with large losses in the short-term. However by not opting to change investments straight away, many investors were able to enjoy strong gains later on.

Your risk appetite

When you are younger you are more likely to be open to risk, as you can recover from market fluctuations over time.  When you get closer to retirement you will likely want more stable options, particularly if you are planning to use that money to pay down debt or for a new purchase.

Consider mixing up your investment strategy

Choosing to put all your funds into one basket may expose your savings to greater risk when markets fluctuate. By diversifying your portfolio of assets you may be able to reduce your risk during periods of volatility.

Personal circumstances

In life your circumstances can change. For example, if you are no longer working, you may want to change the level of risk in your super to protect your financial certainty and security.

Review your strategy with independent financial advice

If you are wanting to make a change to your strategy, it is best to seek help from a licenced financial adviser. They will be able to review your personal circumstances and provide expert guidance.


You can update your details and review your investment options with Member Online.

Or call our Helpline on 1800 355 028 Monday-Friday 8.30am and 7.00pm AEST/AEDT, excluding national public holidays.

* Average annual compound return over the 5 years to 30 June 2022. Past performance does not represent an indicator for future performance. Particular care should be taken in reviewing short term returns.

This information has been prepared by Alcoa of Australia Retirement Plan Pty Ltd ABN 80 065 702 454, AFSL 530684 for general information only. The information does not take into account your personal objectives, financial situation or needs. Therefore, you should not act on this information if you have not considered the appropriateness of this information to your personal objectives, financial situation and needs. You should consult a licensed or appropriately authorised financial advisor before making any financial decision.

Alcoa of Australia Retirement Plan Pty Ltd ABN 80 065 702 454 RSE Licence L0002974, Australian Financial Services Licence #530684, as Trustee for Alcoa of Australia Retirement Plan ABN 80 928 800 255. This website is provided by Mercer Outsourcing (Australia) Pty Ltd (MOAPL) ABN 83 068 908 912, Australian Financial Services Licence # 411980. The Trustee pays a fee for the provision of this service, however this fee is not conditional on you using this service or acting on the information or advice provided through this service.