Understand it


Knowing what to expect with investments

Before you make an investment choice it’s important to understand the basics of investing your super and factors that may influence your investment strategy. By getting a handle on concepts like your timeframe and market volatility, you’ll know a little more about what to expect.

Once you’re across the basics of investing with an overview of important concepts like risk and return, asset classes and diversification – there’s a little more than meets the eye when it comes to understanding investments.

To appreciate how your super is invested and ensure you stay on course with your strategy you need to understand that it’s a long term investment, it’s subject to some volatility and it’s invested in units which represent the value of the underlying assets.

Super is a long term investment – it’s even working for you when you’ve retired

Super is for the long haul, even when you eventually retire your money will still be invested for some time. With a long timeframe your investment opportunities are many, and you have time to see out any volatility and time to continue to benefit from compound returns. Once you choose your long term strategy it’s recommended you stick with it unless your personal circumstances or financial goals have changed.

Markets are volatile from time to time – expect it, but don’t react to it

Market volatility is a normal part of investing, especially with growth assets. For those of you who’ve been invested in super for some time - you’ll be familiar with volatility. History shows us the markets typically recover and return to the same or higher ground after a bout of volatility.


Speak to a financial planner

We encourage you to speak to one of our financial planners who can help you assess your investment strategy. Book an appointment or call Member Services on 1800 757 607.

In the meantime, here’s some tips on coping with volatility.


Your money is invested in units – it’s how you work out your balance

When you invest your money into an investment option or options, you are purchasing units in that option. Those units are purchased at a unit price, which represents the value of the underlying assets at that point in time. Because the value of these assets can go up or down on a daily basis, the values of the unit will also move daily. So to calculate your account balance, we use the number of units you have in each investment option and their unit price at the time. You can view daily unit prices on our investment performance page.

You can find out how many units you currently hold by logging into Member Online. Your account balance varies according to changes in the unit price of your chosen investment options.


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