How Mix Your plan works

If you’re interested in investments and want to take a hands-on approach to your super by determining your own asset mix, Mix Your plan could be the right option for you.

Whether you have a GESB Super, West State Super or Retirement Income Pension (RI Allocated Pension or Transition to Retirement Pension) account, Mix Your plan works the same across all accounts.

If you have a GESB Super, West State Super or an RI Allocated Pension account, you have investment plan options in:

  • Australian Shares
  • International Shares
  • Property
  • Fixed Interest
  • Cash

If you have a Transition to Retirement Pension, you have investment plan options in: 

  • Australian Shares TTR
  • International Shares TTR
  • Property TTR
  • Fixed Interest TTR
  • Cash TTR

Here are more details on what each of these plans mean.

Australian Shares/Australian Shares TTR

This option invests in mostly Australian Shares with a small allocation to Cash for liquidity purposes. We invest in Shares traded on the Australian stock market. Investments can be direct or unitised and may include long/short equity funds.

Based on the Standard Risk Measure, this plan is classified as very high risk while the expected return profile is high return.

See our Australian Shares investments

International Shares/International Shares TTR

This option invests mainly in International Shares with a small allocation to Cash for liquidity purposes.

We invest in Shares traded on developed or developing countries’ public stock exchanges. Investments can be direct or unitised and may include long/short equity funds.

Based on the Standard Risk Measure, this plan is classified as high risk while the expected return profile is high return.

See our International Shares investments

Property/Property TTR

This option invests mainly in listed Property investments with a small allocation to Cash for liquidity purposes.

We invest in listed Property trusts that trade on the Australian and overseas stock markets.

Based on the Standard Risk Measure, this plan is classified as very high risk while the expected return profile is high return.

See our Property investments

Fixed Interest/Fixed Interest TTR

This option invests mainly in Investment Grade Bonds with a small allocation to Cash for liquidity purposes.

We invest in Investment Grade Bonds including fixed, floating and inflation-linked debt instruments.

Based on the Standard Risk Measure, this plan is classified as medium risk while the expected return profile is low return.

See our Investment Grade Bonds investments

Cash/Cash TTR

This option is made up of Cash investments only.

We invest in a range of bank deposits and short-term debt securities issued by Australian governments and corporations.

Based on the Standard Risk Measure, this plan is classified as very low risk while the expected return profile is low return.

See our Cash investments

Get to know your investment

It’s a good idea to understand each option before you make a decision to invest in any plan.

Explore our product dashboard, performance information, risk overview, fees summary and information on where we invest and who manages our investments on our behalf for each Mix Your plan option.

Find out more about:

How to choose Mix Your plan

If you decide Mix Your plan is right for you, you can choose any single asset class (listed above), or a mixture in multiples of 5%.

It’s important to understand what is included in each of the Mix Your plan options, so you can make an informed decision on what plans to include in your own investment mix.

Keep track of your investment mix

You’ll need to check your Mix Your plan investment mix is on track from time to time, because the mix you choose could change as markets fluctuate.

For example, if the Australian Shares component of your super outperforms other asset classes, your asset allocation will increasingly be weighted to Australian Shares.

You can have your plan rebalanced to check the percentage held in each asset class remains the same over time. If you have a GESB Super or West State Super account, you can choose to automatically rebalance your plan to your original election on a quarterly, six-monthly or annual basis. If you hold one of our Retirement Income Pension accounts, you’ll need to decide the right time to adjust your investment mix.

Changing investment plans

More information

Need help

  • Get some Simple Advice on selecting your investment plan
  • Call us on 13 43 72
Page last updated 30 June 2017