How to choose an option

Decisions you make now can impact how much super you have for your retirement.

Take a few moments to consider your needs and options.

1. How much control do you want over your super?

Decide how involved you want to be in managing your super. Are you happy to choose one option and leave it to us or would you prefer to make some investment decisions yourself?

2. Look at your investment timeframe and your retirement savings needs

Your risks change with your investment timeframe. Make sure you understand how different risks can impact your retirement savings over different time periods.

3. Compare investment options

Look at the objectives, investment strategy, risks and potential ranges of returns for each investment option before making a choice. View your investment choices:

For more detailed information on your investment choices, including the potential ranges of returns for each option, read our Investment Choice Guide (PDF, 2.3MB).

4. Make your choice

You should read the important information about changing your investments before making a choice.

When you're ready to choose or change your investment options log into your account.

If you can’t make your choice online please contact us.

Do I have to make an investment choice?

If you don’t make a choice when you join, we’ll invest your account in our Balanced option (our default option). For Choice Income members, the default option is the Balanced option up to age 75, after which it is the Conservative Balanced option. You can change your investment option/s at any time. 

Help and advice

Selecting an investment option can impact how much super you have when you retire. AustralianSuper can help you get advice to choose the investment option that’s right for you.

We provide access to a range of advice services depending on your personal circumstances and needs. Find a financial advice* option that suits you or call 1300 300 273 to speak to a consultant.


* The financial advice you receive may be provided under the Australian Financial Services Licence held by a third party and not by AustralianSuper Pty Ltd (AustralianSuper) and therefore is not the responsibility of AustralianSuper. With your approval a fee may be charged if a Statement of Advice is provided

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