Your investment options

We have investment options to suit every stage of life, so you can make a decision that's best for you

Upcoming investment pause

Between 1 July and 8 July 2021, you won’t be able to switch investment options online while we make some behind the scenes updates. All other account activity will work as normal, and no other transactions will be impacted.

We’re pausing switches to investment options so we can facilitate the updates to your account we outlined in the letter we sent you recently.

If you have lodged a change to your investment options by post or over the phone, it will be processed on or after 9 July 2021.  

All other account activity will work as normal, and no other transactions are impacted. Any contributions made during this period will be added to your account.

Managed Choice options

Choose the Managed Choice option that suits your needs. Each option comes with a blend of asset allocations with varying exposure to risk. 

Aggressive (MySuper)

To achieve strong investment returns over the long term. Returns are likely to be extremely volatile and risk of capital loss over short to medium term periods is very high.
Strategic asset allocation

Moderately Aggressive

To achieve attractive returns over the long term. Returns are likely to be very volatile and risk of capital loss of short to medium term periods is high.
Strategic asset allocation

Balanced (MySuper)

To achieve favourable returns over the long term. Returns are likely to be volatile and a risk of capital loss over short to medium term periods is substantial.
Strategic asset allocation

Conservative Balanced

To achieve solid investment returns over the long term. Returns are likely to be moderately volatile and risk of capital loss over short to medium term periods is significant.
Strategic asset allocation

Moderately Conservative

To achieve reasonable returns over the long term. Volatility of returns is likely to be lower than that of more equity-oriented options, although still significant. The risk of capital loss over short to medium term periods is also expected to be lower than that of more equity-orientated options, although still significant.
Strategic asset allocation

Conservative

To minimise the risk of loss of capital, whilst accepting that this is likely to result in lower investment returns over the long term. Volatility of returns is likely to be lower than that of more equity-oriented options, although still material, and over short to medium term periods some risk of capital loss exists.
Strategic asset allocation

PositiveIMPACT

To achieve favourable returns over the long term whilst also displaying clear impacts. Returns are likely to be volatile and a risk of capital loss over the short to medium periods is high.
Strategic asset allocation

RetirePlus

To achieve solid investment returns over the long term. Compared with other options with a similar overall risk profile, RetirePlus is expected to provide some additional protection against key risks facing those in or approaching retirement, being market risk and inflation risk. Returns are expected to be moderately volatile and risk of capital loss over short to medium periods is significant although lower than that of more equity-oriented options.
Strategic asset allocation

RetireStable

To invest in a diversified portfolio of assets with a lower exposure to listed equities and other growth-oriented assets than RetirePlus, accepting that this is likely to result in lower returns over the long term. RetireStable is expected to provide some additional protection against key risks facing those in or approaching retirement, being market risk and inflation risk. Returns are expected to be more stable relative to those of more equity-oriented options.
Strategic asset allocation

Build Your Own

Choose a Build Your Own option and invest directly into an asset class.

Australian Shares

To achieve strong investments returns. Returns are likely to be very volatile and risk of capital loss over short to medium term periods is very high.
Strategic asset allocation

Overseas Shares

To achieve strong investment returns. Returns are likely to be very volatile and risk of capital loss over short to medium term periods is very high.
Strategic asset allocation

Property

To achieve solid investment returns. Risk of capital loss over short to medium term periods is significant.
Strategic asset allocation

Diversified Fixed Interest

To achieve positive real returns over the medium to long term with volatility of returns expected to be lower than that of equities options.
Strategic asset allocation

Cash

To produce a return equal to or above the official cash rate.
Strategic asset allocation

Understand your investment style

When deciding on your investment style, it’s important to understand the relationship between risk and return. Choosing what’s best for your needs can make a big difference to your financial future.

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Get advice

You can can speak with one our financial planners who can assist you in making the right investment choice for your circumstances.

Get advice