Growing your savings for a comfortable retirement partly comes down to making good investment choices.

We offer a range of diversified and single asset class investment options.

If you become a member and don't choose an investment option, your super is invested in our default MySuper Lifecycle approach, which invests in three of our diversified investment options depending on your age: High Growth, Growth and Balanced Growth.

The options used in the MySuper Lifecycle approach are diversified options, which means they are invested across a range of asset classes. This is called diversification and it can reduce the risk of loss if one particular asset class performs poorly.

Under our Lifecycle approach we will match your investment mix to your life stage automatically, so no matter where you are along the journey, you can have confidence in our investment decision making. For more information go to

View past investment returns

All our investment options

Compare now

You can make a choice

Generally, you can choose to invest in one or more of the investment options in whatever proportions you choose. And, you can also revert to the Lifecycle approach at any time.

It is important to remember that different options may carry different levels of risk, depending on the assets that make up the option. When choosing an investment option, you should consider the level of investment risk that is appropriate for you, which depends on your age, investment timeframe, where other parts of your wealth are invested and your attitude to risk. Seeking advice from a financial planner can help you choose the most suitable investment option.

Our diversified options

We offer 5 diversified investment options:

  • High Growth
  • Growth
  • Diversified Socially Responsible Investment (SRI)
  • Balanced Growth
  • Conservative Growth

These options are invested in a pre-determined ratio of growth to income assets to suit different types of investors. The diversified options provide you with the benefit of diversification by being invested across different asset classes, investment styles and managers.

The High Growth is our most aggressive investment option and is best suited to members with 10 years or more to ride out the highs and lows of more volatile investments. By contrast, the Balanced Growth option is more conservative in nature and is typically used by members in the lead up to, and during, retirement. Our investment approach for this option aims to reduce the impact of large share market falls.

Our Diversified Socially Responsible Investment option allows you to invest your super in an option that excludes investments considered to have a highly adverse environmental or social impact via the application of screening criteria.

I want help choosing an investment option

Can't make a choice?

Get help at no extra cost

Single asset class options

As a member you also have the ability to tailor your investments through single asset class options:

  • Australian Equities
  • Australian Equities Socially Responsible Investment (SRI)
  • International Equities
  • Property
  • Australian Fixed
  • Interest International Fixed Interest
  • Cash  

These options give you a greater degree of control over your account by allowing you to choose the allocation to each particular asset class. However, some asset classes are not available as a single asset class option (for example infrastructure and private equity), so it may be difficult to obtain the same degree of diversification as the diversified options.

It’s important to do some research into each of the different asset classes before deciding which ones are best suited to your own circumstances and tolerance for risk.

A tailored mix allows you to pick the exact percentage break down of how your super gets invested.

You can make the switch using your online account, or by filling out an investment choice form.

You can choose to switch your existing account balance, your future contributions, or both. 

Show me how to switch my investment mix

Learn more

For more information on the different investment options please read the relevant Member Booklet or supplement.


View all fact sheets

Super confused?
Attend a free webinar.

alt text