Australian Retirement Trust — Bonds Index (Income)

Super Savings - Income account Retirement holdings as at 31 December 2025

As at 31 December 2025, the Australian Retirement Trust Bonds Index (Income) option disclosed 43 holdings — its largest being STATE STREET INVESTMENT MANAGEMENT at 98.49%. 0 internally-managed unlisted holdings are disclosed by name only.

Disclosed value

$1,008,833,805

Disclosed holdings

Itemised value shown

$1,008,833,805

Name only (unlisted)

Listed holdings are shown with their disclosed value. We surface disclosed holdings; we don't look through pooled vehicles. See methodology.

Asset-class allocation

Physical holdings by asset class. The synthetic (derivative) effect is the disclosed Schedule 8D Table 3 overlay, shown separately — not netted into the physical figures.

Physical (disclosed holdings)

Asset class	Weighting	Value (AUD)
Fixed Income	98.49%	$1,002,951,954
Cash	0.55%	$5,881,851

Synthetic effect (derivatives, Table 3)

Asset class	Weighting effect
No disclosed derivative effect.

Currency exposure

Physical currency as disclosed (sparsely reported — an undisclosed bucket is shown as such, not inferred). The synthetic (derivative) effect is the Schedule 8D Table 4 overlay, shown separately.

Physical (disclosed)

Currency	Weighting	Value (AUD)
Not disclosed	98.49%	$1,002,951,954
AUD	0.22%	$2,453,390
EUR	0.09%	$941,790
USD	0.07%	$725,894
CNY	0.03%	$277,262
GBP	0.03%	$269,079
CAD	0.02%	$155,685
MXN	0.01%	$124,359
JPY	0.01%	$108,757
THB	0.01%	$89,742
SGD	0.01%	$84,543
NZD	0.01%	$83,367
CHF	0.01%	$80,116
ILS	0.01%	$69,101
PLN	0.01%	$64,924
NOK	0.01%	$52,035

+ 11 further disclosed currencies, each below 0.01% by weighting.

Synthetic effect (derivatives, Table 4)

Currency	Weighting effect
AUD	49.00%
CURRENCIES OF EMERGING MARKETS	-6.00%
CURRENCIES OF OTHER DEVELOPED MARKETS	-20.00%
USD	-23.00%

Holdings

All 43 holdings disclosed by Australian Retirement Trust Bonds Index (Income), largest first, as at 31 December 2025. Each resolved security links to the funds that hold it. Internally-managed unlisted holdings are marked “name only”.

Holding	Asset class	Currency	Weighting	Value (AUD)
STATE STREET INVESTMENT MANAGEMENT	Fixed Income	—	98.49%	$1,002,951,954
STATE STREET BANK AND TRUST	Cash	AUD	0.29%	$2,966,985
STATE STREET BANK AND TRUST	Cash	EUR	0.09%	$941,790
STATE STREET BANK AND TRUST	Cash	USD	0.07%	$725,894
STATE STREET BANK AND TRUST	Cash	CNY	0.03%	$277,262
STATE STREET BANK AND TRUST	Cash	GBP	0.03%	$269,079
BARCLAYS BANK PLC	Cash	AUD	0.02%	$199,685
STATE STREET BANK AND TRUST	Cash	CAD	0.02%	$155,685
STATE STREET BANK AND TRUST	Cash	MXN	0.01%	$124,359
STATE STREET BANK AND TRUST	Cash	JPY	0.01%	$108,757
STATE STREET BANK AND TRUST	Cash	THB	0.01%	$89,742
STATE STREET BANK AND TRUST	Cash	SGD	0.01%	$84,543
STATE STREET BANK AND TRUST	Cash	NZD	0.01%	$83,367
STATE STREET BANK AND TRUST	Cash	CHF	0.01%	$80,116
STATE STREET BANK AND TRUST	Cash	ILS	0.01%	$69,101
STATE STREET BANK AND TRUST	Cash	PLN	0.01%	$64,924
STATE STREET BANK AND TRUST	Cash	NOK	0.01%	$52,035
STATE STREET BANK AND TRUST	Cash	DKK	0.00%	$49,176
STATE STREET BANK AND TRUST	Cash	RON	0.00%	$42,356
STATE STREET BANK AND TRUST	Cash	PEN	0.00%	$38,213
STATE STREET BANK AND TRUST	Cash	KRW	0.00%	$36,098
HONGKONG & SHANGHAI BANKING CORP. LTD.	Cash	AUD	0.00%	$30,631
STATE STREET BANK AND TRUST	Cash	CZK	0.00%	$24,295
STATE STREET BANK AND TRUST	Cash	CLP	0.00%	$23,967
STATE STREET BANK AND TRUST	Cash	IDR	0.00%	$20,868
STATE STREET BANK AND TRUST	Cash	MYR	0.00%	$19,416
STATE STREET BANK AND TRUST	Cash	HUF	0.00%	$18,856
STATE STREET BANK AND TRUST	Cash	SEK	0.00%	$17,442
STATE STREET BANK AND TRUST	Cash	HKD	0.00%	$11,120
MACQUARIE GROUP LTD.	Cash	AUD	0.00%	$6,647
UBS AG	Cash	AUD	0.00%	$6,275
ROYAL BANK OF CANADA	Cash	AUD	0.00%	$2,393
COMMONWEALTH BANK OF AUSTRALIA	Cash	AUD	0.00%	-$4,414
SOCIETE GENERALE	Cash	AUD	0.00%	-$8,774
GOLDMAN SACHS GROUP, INC.	Cash	AUD	0.00%	-$25,419
MORGAN STANLEY	Cash	AUD	0.00%	-$49,881
NATIONAL AUSTRALIA BANK LIMITED	Cash	AUD	-0.01%	-$56,422
AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED	Cash	AUD	-0.01%	-$60,889
CITIGROUP, INC.	Cash	AUD	-0.01%	-$71,046
BNP PARIBAS	Cash	AUD	-0.01%	-$75,566
BANK OF AMERICA NATIONAL ASSOCIATION	Cash	AUD	-0.01%	-$76,205
JPMORGAN CHASE & CO	Cash	AUD	-0.02%	-$156,557
WESTPAC BANKING CORPORATION	Cash	AUD	-0.02%	-$174,053

Figures are disclosed by the fund itself under Portfolio Holdings Disclosure (Schedule 8D), as at 31 December 2025. This is factual disclosure information, not financial advice, a rating or a recommendation.

Methodology — how holdings are sourced, resolved and aggregated.