Change your investment plan

Your super is one of the biggest investments you’ll ever make, so it makes sense to learn all you can about growing it. The investment plan you choose now can make a difference to the amount of income you have in retirement.

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 our Simple Advice service where one of our experienced consultants can help you decide if you’re in the right investment plan for the level of risk you’re comfortable with. A fee of $369 applies for this service. If you want to know more specific information around your unique situation, you may want to get professional advice from a qualified financial adviser.

Find your investment personality

Your age, the amount of super you already have and how comfortable you are with the movement of financial markets can influence what kind of investment plan would suit your needs.

If you’re generally willing to take more risk, want to maximise your long-term returns and you’re willing to accept that your returns could be high, low, positive and negative from year to year, the Growth investment plan might suit your investment personality.

On the other hand, if you’re looking for more stable returns each year, we offer balanced and conservative investment options which might be a better fit for your investment personality.

Try the investment personality quiz

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 super into My GESB Super plan or My West State Super plan, depending on which kind of account you have.

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.

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 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:

Learn more about how your super 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

If you have a GESB Super or West State Super account, it’s easy to change your investment plan in Member Online. See the Member Online help guide for easy instructions on how to change your 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

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Page last updated 26 October 2017