MySuper Lifecycle investment approach
For Future Saver members, if you don't make an investment choice, we'll invest your super in our default MySuper Lifecycle approach. If you don’t make an investment choice, this is where we’ll invest your super.
Our members' retirements were in mind when we designed our Lifecycle approach. It tailors your investment mix based on your age. Your super is invested to maximise returns in your younger years, and reduce the impact of any large market falls as you approach retirement to help you retire with more.
We do this by focussing on investments that are designed to grow your super while you’re younger. Then we gradually reduce the level of investment risk as you get closer to retirement age.
Your investments gradually shift from higher risk growth assets like shares, to a more balanced mix of growth and defensive assets.
Who is MySuper Lifecycle suitable for?
Leaving the investment choice up to us could be the smart choice for anyone. It’s particularly helpful if:
- you’re unsure about how to invest,
- you're unfamiliar with investment markets, or
- you don’t have time to monitor markets and manage your own investments.