Your age

If you are a long way from retiring, you generally have time to ride out the ups and downs of the markets. This means that you may feel more comfortable investing in riskier assets, like shares and property, to take advantage of the higher returns they are expected to produce over time.

If you are only a few years from retiring, you may prefer a less risky approach to protect the value of your investment. Investing in fixed interest and cash is less risky than investing in shares and property, but it usually gives lower returns.

When you do retire, it is still important to think about your investment. The average member spends around 20 years in retirement, so your money will need to provide an income for many years.

Seek advice

A licensed financial planner can work with you to choose the right investment option to suit your needs and retirement goals.

Maritime Super can arrange for a qualified financial planner to help. Contact Member Services to arrange an appointment.