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 | Invests in | |
|---|---|---|---|
| Diversified investment options | |||
|
Shares Plus |
High |
89% growth assets 11% defensive assets |
|
|
Balanced* |
Medium to high |
76% growth assets 24% defensive assets |
|
|
Socially Responsible Investment (SRI) – Balanced |
High |
76% growth assets 24% defensive assets |
|
|
Indexed Balanced |
High |
75% growth assets 25% defensive assets |
|
|
Conservative Balanced |
Medium |
54% growth assets 46% defensive assets |
|
|
Capital Stable |
Low to medium |
34% growth assets 66% defensive assets |
|
| Sector investment options | |||
|
Australian Shares |
High |
100% growth assets 0% defensive assets |
|
|
International Shares |
High |
100% growth assets 0% defensive assets |
|
|
Cash |
Very low |
0% growth assets 100% defensive assets |
|
* The Balanced option is the Fund’s default MySuper 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.
