Switch it?


Think before you switch

While we offer choice and flexibility when it comes to investing, we do recommend that you think carefully before you switch. Once you’ve chosen a strategy that aligns with your financial goals and targets, it’s important you stick with it to achieve it. If you’re reacting to market volatility or trying to time the market, switching could leave you worse off. 

Follow your strategy, not the markets

People tend to panic when markets are volatile, but it’s important to keep your emotions in check. Generally the worst thing you can do when markets are down is move your super to a lower risk option, like cash. History shows that investors who do this usually miss the market recovery and lock in losses. When you switch or ‘jump ship’ at a low price you are essentially locking in your losses. If you sit tight and ride out the volatility, markets typically recover.

When is it ok to switch?

It’s possible that over time your personal circumstances and/or financial goals may change – life has a funny way of changing, that’s fine we get it. But, we do recommend you talk to a planner before making a change to your investment strategy, they can help you assess your situation and choose the right strategy.

How to switch or change your investment strategy

Before you switch investments, call us on 1800 757 607 and have a chat with one of our planners. We also give free investment advice over the phone – make sure you take advantage! 

To change your investment strategy:


Does volatility make you uneasy?

There is a way to minimise the impact.

If you’re after investment growth, but can’t stomach extreme ups and downs in the market, we have a strategy that cushions the impacts to help you cope with the volatility. It’s called the Managed Volatility Process and it's a feature available in the Growth option, and embedded in the Moderate option.

Investing your super

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


What you need to know about switching

Switches take effect on Wednesday each week. To process your switch the Fund will need to have received your correctly completed switching form before 5pm Sydney time the preceding Sunday.

The Trustee may nominate an alternative day to process a switch request and may delay or suspend switches at its discretion.

We allow a maximum of 12 switches per year per member free of charge. Once a switch has been completed, we’ll send you a letter confirming this and how much has been switched.


Before you switch, talk to us

You can get free phone advice or meet with a planner – find out if switching really is your best option.


Learn more