How we create our Readymade investment plans

By choosing the right investment plan to suit your personal circumstances, you have a choice over which types of investments (or asset classes) your super is invested in. With our Readymade investment plans, you can choose from a range of pre-set plans with different combinations of asset classes, from lower to higher risk.

To check which investment plan you’re currently in, simply check your latest member statement or your Member Online account.

We decide on the best mix for each plan

With help from an asset consultant, we analyse asset classes to decide on the appropriate mix for each investment plan. This is based on the long-term outlook for the risk and return of each type of asset.

Diversification is a way to reduce the overall risk of investing

Financial assets don't all go up and down in value at the same time. Rather than invest in just one asset class, diversification involves investing across a number of different assets. This can help produce more consistent returns from your super over the long term.

We regularly review the returns of our investment plans

Each Readymade investment plan has an objective for its return based on the Consumer Price Index, which is a measure of inflation in Australia. The objective for each investment plan, and the mix of assets they invest in, is reviewed every year.

We also review the mix of assets in our investment plans

We regularly check that the mix of assets in each plan stays in line with our asset allocation ranges. For example, if the value of Australian Shares grows faster than other asset classes, that portfolio might become increasingly weighted to Australian Shares. We review our investment plans to make sure the percentage held in each asset class stays within our chosen asset allocation ranges over time.

Find the right investment plan for you

You don’t necessarily need to choose the investment plan that is performing best. It's more important to choose the plan that suits your goals and how much risk you’re comfortable with. To learn more, read about what you might like to consider when choosing your investment plan.

If you’re a GESB Super or West State super member, you can change your investment plan through Member Online or download and complete an investment choice form.

Learn more about our Readymade plans

Page last updated 16 April 2021