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 investment options. There are two options: Growth and Balanced Growth.

The Growth option is a long-term strategy designed to perform best over a time frame of at least 7 years. The option is typically used by members during the initial phase of their superannuation journey, with the investment strategy for the option focused on generating strong capital growth.

When you turn 60, your account balance, future contributions and rollovers will be automatically switched to the Balanced Growth option which is more conservative in nature and typically used by members in the lead up to retirement. Our investment approach for this option aims to reduce the impact of large share market falls.

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.

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Our diversified options

We offer the below diversified investment options in addition to the Growth and Balanced Growth options outlined above:

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

These options are invested in a pre-determined ratio of growth to income assets to suit different types of investors.

As the name suggests, 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.

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.

If you are planning on accessing your super in the next few years, a less aggressive strategy such as Conservative Growth may be the option for you.

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Single asset class options

As a member you 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

It’s wise to do some research into how different asset classes work 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.

For example, if you have a longer time frame to ride the highs and lows, you might decide to invest a greater proportion of your super into high growth, high risk assets such as equities.

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. 

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Learn more

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


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