Changing your investments

Life’s full of changes, so sometimes you may also want to change how your super’s invested.

How you can change your investments

You can change your investment options easily – all through your online account.

Here are the types of investment changes you can make: 

  1. Current account balance

    Change how money in your account right now is invested

  2. Future super payments

    Change how future payments are invested, including employer contributions, personal contributions and roll-ins

  3. Retirement income account 

    You can choose how your retirement income assets are invested and where your retirement income account payments are made from.

  4. Member Direct

    You can choose your investments from shares, exchange-traded funds (ETF’s) and term deposits.

How often you can change

Aside from how and when you can change your investments, there’s a few things to keep in mind when it comes to changing up your investment portfolio.

  • Current account balance

    You can change this up to once a day, except on weekends and public holidays. If we receive your request before 4pm AEST/AEDT weekdays, we’ll invest in your new choice the next business day. If we receive it on or after 4pm weekdays, on weekends, or on public holidays, it will take an extra business day. You’ll see the change reflected in your account two business days after we process it. If you submit more than one change request on any day, the instructions in the last request received before 4pm AEST/AEDT will be applied to your account.
  • Future super contributions

    You can request to change the way your future contributions are invested once daily.  The change is applied the next business day for a request made before 4pm.  After this, any contributions into your account will be invested according to your new investment choice.
  • Retirement income payments

    You can change your income payment strategy as many times as you want to, whenever you want to. We’ll just need to receive your request at least 5 business days before the next scheduled payment.
  • Member Direct option(3)

    If you are registered with Member Direct investment option, changes to the way you invest, including cash transfers, need to be requested through Member Direct. Important information about making these types of changes can be found in the Member Direct Guide below .

    Member Direct Investment option: Guide - PDF, 2.8MB

    Member Direct Investment option: Investment menu - PDF, 140KB

    Member Direct Investment option: Terms & conditions - pdf, 184KB

  • Changing might result in a negative return

    We calculate returns for each investment option daily using crediting rates – these rates determine the return (after fees and tax) applied to your account. We apply these returns to your account as soon as you make a request, so changing your investments when the market is fluctuating may lock in a loss.

  • You can revert to your original choice, but there's restrictions(1)

    For changes to your account balance, future super contributions or income payment strategy, you can view and cancel a pending request the same day before 4pm.

    Switching policy fact sheet - pdf, 132KB

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