Are all investment options created equal?

If you thought that the investment options available within super were all pretty much the same, think again.

On the surface, they all seem to have a similar structure: to deliver an expected return generally above the inflation rate, associated with a given level of risk. On closer inspection, you’ll see that the similarities pretty much end there.  

Options within super cover a wide range of return targets (above inflation) and risk levels. And there are other important differences too. Every investment option has a strategic allocation to various assets that make up the whole, which are invested across various regions, managers and investment styles.  

Investment options at not all the same

Investment options are generally diversified or sector specific. What this means is that you can either invest across a number of different asset classes (i.e. diversified) or you can invest in one asset class (i.e. sector). 

Broadly speaking, there are two types of asset classes:

  • Growth assets - generally provide relatively higher returns over the longer term with a corresponding higher level of risk (increased chance of a negative return and volatility). A high proportion of their returns are derived from capital growth. Examples include shares and some property investments.
  • Defensive assets - generally are lower risk (less chance of a negative return), with a corresponding expectation of lower returns over the longer term. A high proportion of their returns are derived from income (cash) flows. Examples include cash, term deposits and some fixed interest investments.

Maritime Super offers a range of investment options with a mix of growth and defensive assets; it’s up to you to choose which mix of growth and defensive you’re most comfortable with, along with the return target and risk level. 

The good thing is that you can invest your super in one or more of our investment options based on your investment preference or choose a ‘ready-made’ diversified option that suits you. 

Remember, super is a long-term investment so it’s important to keep the end game in mind – for most of us, that’s a comfortable retirement with no money worries. To achieve this, your investment strategy needs to be aligned to your investment goal. 

Which option is best for you?

In life, it’s always good to have options, and the same can be said for your super. 

It’s important to get your investment strategy right and make an active investment choice for your super, because how it’s invested directly impacts your future income down the track. If you’re not sure how to go about this, you can get investment advice over the phone from our financial planners, to help you determine your risk and return profile and options that may be best suited for you.

Familiarise yourself with the various options available to you, and once you’ve chosen an investment strategy, you should hold firm. It’s generally not a good idea to regularly check your balance and make rash decisions based on short-term market movements.

Learn more about Maritime Super’s investment options here. links to

Investing in your future 

When you realise that super is an investment in your future, you’d have to agree that it’s important to be informed and make decisions on how it’s invested. 

Speaking to a financial planner today can help set you up for the future. We offer a range of advice options to give you as little – or as much – advice as you need.

Advice over the phone - at no cost

You can access investment advice like how to invest your super - over the phone free of charge. Call Member Services on 1800 757 607 to book an appointment with a planner.

Advice in person

If you’d prefer to meet with a planner, or you’re looking for advice that will provide you with a strategy to achieve your longer-term financial goals, it’s best to make an appointment with one of our financial planners.



The information on this page has been issued by Maritime Financial Services Pty Limited (MFS). It contains general information that doesn’t take into account your individual objectives, financial situation or needs. It’s important to consider how appropriate this general information is in relation to your situation before making an investment decision. We recommend that you seek financial advice before making any decisions regarding your super or investments. The information on this page is current at the time of publishing.