How do I invest?

How do I invest?

Super is a framework for holding investment assets, not an investment asset itself.

Super funds can hold a broad range of investment assets. Common investment assets (asset classes) include property, shares, cash and fixed interest. Many super funds will invest in a variety of asset classes through a managed fund rather than investing directly in assets themselves.

Most super funds offer you the ability to choose an investment strategy for your account. This can be done by choosing within the range of ‘investment options’ a super fund offers. Each investment option has its own investment objective and way of achieving it. Different investment options may invest in different types of assets, such as cash, fixed interest, property or shares, or even a combination of these. History shows that all methods have different returns and levels of risk, to suit a variety of investors and economic climates.

When you become a member of a super fund, your account will be automatically invested in what is known as a ‘default’ investment strategy if you do not choose a strategy for yourself. The default investment strategy may not be appropriate for your personal circumstances and needs, so you must consider whether it is appropriate for you. You can switch from the ‘default’ strategy by choosing one or a combination of investment options on offer.

Remember, the right investment choices for you will depend on your financial objectives, your investment time horizon and your attitude to risk. How much super you have in retirement will depend to a large degree on the decisions you make about investment options. Make certain you’re in the right one!

Of course, your financial adviser is the best person to help you select the most suitable investment options in super.

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How do I invest?

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