Invest it


Know your options

You have a broad range of investment options to choose from when it comes to investing your money. We offer you choice and flexibility, and even free phone advice if you’re unsure which option’s right for you.

You can invest your money in one option, or across a range of different options. And you can even choose to invest your existing balance one way and your future contributions another way.


Option Risk rating Invests in
Diversified investment options

Shares Plus

Very High


90% growth assets

10% defensive assets


Medium to High

Medium to high

76% growth assets

24% defensive assets

Socially Responsible Investment (SRI) – Balanced

Very High


73% growth assets

27% defensive assets

Indexed Balanced

Very High


75% growth assets

25% defensive assets

Conservative Balanced



57% growth assets

43% defensive assets

Capital Stable

Low to Medium

Low to medium

38% growth assets

62% defensive assets

Sector investment options

Australian Shares

Very High


100% growth assets

0% defensive assets

International Shares

Very High


100% growth assets

0% defensive assets


Very Low

Very low

0% growth assets

100% defensive assets

* The Balanced option is the Fund’s default MySuper option.

Get familiar with your investment options, and find out more about the Standard Risk Measure and what the different risk ratings mean.

Choose your strategy

When it comes to deciding how you want your money invested, it’s really important to think about your unique needs. The choices that somebody else makes might be right for them, but may not be the best option for you. There’s a couple key things to consider first.

1. How much risk are you willing to take to get greater returns?

Different investments have different levels of risk associated with them. Generally speaking, higher risk investments (like shares) are likely to deliver a higher average return over the long term, but they may also have periods where the return is low, or even negative. Lower risk investments (like cash and fixed interest) usually deliver a lower average return over the long run, but are less likely to experience negative returns.

Learn more about risk and return.

2. How long will your money be invested?

While people tend to think about their super only being invested until retirement, the truth is most of us will have our money invested well beyond that. Your age and where you’re at in life will play a part in deciding how you invest your super. If your money is going to be invested for 10, 20, 30 or more years, chances are you can afford to take more risk to get a higher return in the long term. But if your money is only going to be invested for a short period of time say 5 years, a lower-risk investment that is likely to deliver a more consistent return may be more suitable.


See how different investment options impact investment growth over time

Use the Retirement Income calculator to see where you might finish up if you invest in one option over another.

We’re here to help

If you’re unsure about which investment option to choose, speak to one of our planners – you can get free phone advice or meet with a planner for broader advice.

Investing your super

Make an informed investment choice – in this video learn about the relationship between risk and return and the fundamentals of investing.


Stick to the plan

Because super is a long term investment, once you’ve decided how you’re going to invest your money it’s important to stick to the plan. Chopping and changing your investments, or trying to play the market can leave you worse off.


Learn more