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Choosing the right investment mix for you, is just as important in retirement. It can help continue to grow your super even once regular contributions into your account have stopped.

Key points:
 

  • When you retire, you'll need to make an active investment choice. You have a range of investment options to choose from, just as you did while you were working. 
  • The right investment choice is a balancing act. You'll want to keep growing your super savings while at the same time preserving what you already have. 
  • More than 40% of your income paid by your retirement income account could come from the investment earnings on your account balance alone.  

Our experts have created specific retirement investment options to help your savings go the distance. They're designed to deliver strong returns and aim to reduce the impact of market falls.

Investing through retirement will help your money last

It’s difficult to know exactly how long you’ll need your super to last, or how much more expensive life will become. But staying invested in the right mix of investments can give you the best chance of achieving your retirement goals.

This is important because:
 

  • A dollar tomorrow will buy you less than a dollar today. Your super needs to keep up with the rising costs of goods and services (inflation), and
  • Your retirement could span more than 30 years1 - you want your super to provide an income for as long as you need it to.

1 Australian Life Tables 201517, The Australian Government Actuary

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How much risk should you take on? 

The best thing to do is take the time to understand your circumstances, retirement goals and risk appetite, create a plan and then stick to it. 

In retirement you may not have the benefit of regular contributions going into your account. You’re also withdrawing an income from your super - so when markets fall, it can be much harder to recover your losses.

 To help your super last and to make sure you have a stable income, investing for growth and limiting risk are some of the things you'll need to consider.

 

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Aware Super’s Balanced Growth option for retiree

If you don't make a choice, you’ll join 50% of our retired members invested in our Balanced Growth option.

The Balanced Growth option has been designed by our experts with the needs of retirees in mind. It aims to:

  • generate strong, consistent returns
  • protect against the effects of inflation, and 
  • reduce the impact of large market falls on investment returns.

Find out more about Aware Super’s investment options
 

The right investment choice is different for everyone

Your investment choice will depend on:
 

  • whether you have other sources of income (for exmaple, the Government Age Pension or investment properties)
  • your lifestyle goals, and 
  • how dependent you are on your super savings for your retiement income. 

Related documents

Related information

Where to next?

Attend a webinar

Join our experts as they break down super and finances into easy-to-understand topics through our live webinar education series.

Speak to a financial planner

A financial planner can work through complex financial matters and help you create the right strategies to achieve your financial goals in retirement. They’ll explain any next steps, fees and charges before progressing.

Make an investment switch

It’s simple to switch the investment options your retirement savings are invested in. All you need to do is log into your account online.