Your Investment Strategy
Before making a decision on choosing the mix of investments for your super savings, there are a few questions that you need to ask yourself:
Your Investment Strategy

Your Investment Strategy

Most super funds will encourage you to take an active interest in your retirement savings by selecting the investment strategy that suits your personal situation and age.

Before making a decision on choosing the mix of investments for your super savings, there are a few questions that you need to ask yourself:

  • How much risk do I feel comfortable taking?
  • What type of return am I seeking for my money?
  • What time horizon am I investing to?

Answering these questions will help guide you in choosing the right investment mix or option for your super savings.

Super funds generally allow you to invest in a wide range of asset classes, or categories of investment. These are generally shares, property, fixed-interest securities or cash. They differ in the amount of risk involved and the potential for returns or losses. 

As a general rule, growth orientated investments like shares are likely to have higher returns over the longer-term. But they can also be volatile and even go backwards over some periods.

The right choice for you will depend on your personal circumstances.

If you don’t make a choice, your superannuation savings will automatically be invested in the fund’s Default Option (the investment option you get when you don’t make a choice). This is usually a balanced investment portfolio that contains a range of shares, property, bonds and cash using a variety of investment managers.