Change your investment plan

The investment plan you choose for your super now can make a difference to the amount of income you have in retirement, and how long that income will last. It makes sense to learn all you can about how your super investment plan works - and you don’t need to be an expert in investments to change the way your super is invested.

We’re here to help you understand your options

Our investment plans invest in different assets and their returns are linked to how the financial markets perform.

You can choose from our ‘Readymade plans’ which are pre-set combinations of different investment types or create your own strategy to focus on specific types of investments, which is known as ‘Mix Your plan’. You might want to consider seeking professional advice for your circumstances before making a decision to change your investment plan.

Find the right kind of investment plan for you

You can choose from a range of Readymade plans designed by us, or take an active role in setting your preferred asset allocation through Mix Your plan.

If you don’t choose an option, we will automatically invest your money in the Balanced plan.

Readymade plans

Each of the Readymade plans has a different allocation of investment types, or asset classes. Our investment team carefully designs these plans to allow for a range of risk profiles, or investment personalities. From time to time, we adjust the proportions invested in each asset class within the allowable ranges to make sure the mix suits the current market conditions. Also, our retirement accounts allow you to choose to invest in two Readymade plans, the Cash plan and one other Readymade plan.

Learn more about our Readymade plans:

Mix Your plan

If you’re interested in choosing your own mix of investment, our Mix Your plan option lets you take a hands-on approach to your super.

You can explore a range of options, and select any single asset class, or a mixture in multiples of 5% among Australian Shares, International Shares, Property, Fixed Interest or Cash.

Find out more about our Mix Your plan options:

Understand your choice of investment plan

The appropriate level of risk for you will depend on your age, how long you’re investing for, what other assets you might have outside super and how they are invested, and how comfortable you are with the possibility of losing some of your investment in some years.

When considering your investment plan, it is important to understand that:

  • The value of all investment plans will go up and down.
  • Returns are not guaranteed and there is a risk you may lose some of your money, even in more ‘conservative’ investment plans.
  • Assets with the highest potential returns over the longer term (such as Shares) may also come with the highest risk of losing money in the short-to-medium term.
  • The level of returns will change from year to year.
  • How any investment has performed in the past isn’t a reliable indicator of how it will perform in the future.
  • The laws affecting allocated pensions may change.

We recommend that you talk to a financial adviser before deciding which investment plan best suits you.

Learn more about how your money is invested

You don’t need to know a lot about investing to understand your investment plan. We’re here to help. Here are some investment basics if you’d like to learn more about how your super is invested.

How to change your investment plan

You can also change your investment plan by filling out the relevant investment choice form. Read our how to change your investment plan page for step-by-step instructions.

Change your investment plan

Page last updated 10 September 2019