Invest it

 

Know your options

You have a broad range of investment options to choose from when it comes to investing your money. We offer you choice and flexibility, and even free phone advice if you’re unsure which option’s right for you.

You can invest your money in one option, or across a range of different options. And you can even choose to invest your existing balance one way and your future contributions another way.

 

Option Risk rating Aim Invests in

Australian Shares

Very High

Very High

Maximise growth potential with high risk of short-term 'lows'

100% growth assets

International Shares

High

High

Maximise growth potential with high risk of short-term 'lows'

100% growth assets

Growth

High

High

High growth potential with the risks of short-term 'lows'

90% growth assets

10% defensive assets

Balanced

Medium to High

Medium to high

High growth potential with the risks of short-term 'lows'

70% growth assets

30% defensive assets

Moderate -  MySuper option

Medium

Medium

High growth potential with the risks of short-term 'lows'

Approx. 96% is invested according to target asset allocation of 70% in growth assets, 30% in defensive assets and the remainder towards the MVP approach.

Conservative

Low to Medium

Low to medium

Growth with minimal short-term risk

30% growth assets

70% defensive assets

Cash enhanced

Very Low

Very low

Little growth with very low risk

100% defensive assets

Cash

Very Low

Very low

Little growth with very low risk

100% defensive assets

Fixed Term Investment option

Very Low

Very low

To deliver a fixed return over a 12-month period

100% defensive assets

Unlike the other options you agree to invest your money for a 12-month ‘fixed term’ and will receive a fixed rate of return.

Restrictions apply to the Fixed Term Investment option.

Get familiar with your investment options, and find out more about the Standard Risk Measure and what the different risk ratings mean.

Choose your strategy

When it comes to deciding how you want your money invested, it’s really important to think about your unique needs. The choices that somebody else makes might be right for them, but may not be the best option for you. There’s a couple key things to consider first.

1. How much risk are you willing to take to get greater returns?

Different investments have different levels of risk associated with them. Generally speaking, higher risk investments (like shares) are likely to deliver a higher average return over the long term, but they may also have periods where the return is low, or even negative. Lower risk investments (like cash and fixed interest) usually deliver a lower average return over the long run, but are less likely to experience negative returns.

Learn more about risk and return.

2. How long will your money be invested?

While people tend to think about their super only being invested until retirement, the truth is most of us will have our money invested well beyond that. Your age and where you’re at in life will play a part in deciding how you invest your super. If your money is going to be invested for 10, 20, 30 or more years, chances are you can afford to take more risk to get a higher return in the long term. But if your money is only going to be invested for a short period of time say 5 years, a lower-risk investment that is likely to deliver a more consistent return may be more suitable.

 

See how different investment options impact investment growth over time

Use the Retirement Income calculator to see where you might finish up if you invest in one option over another.

We’re here to help

If you’re unsure about which investment option to choose, speak to one of our planners – you can get free phone advice or meet with a planner for broader advice.

Investing your super

Make an informed investment choice – in this video learn about the relationship between risk and return and the fundamentals of investing.

 

Stick to the plan

Because super is a long term investment, once you’ve decided how you’re going to invest your money it’s important to stick to the plan. Chopping and changing your investments, or trying to play the market can leave you worse off.

 
 

Learn more