How to invest your super
When it comes to investing in your super, you have options. But which option is right for you? Here are some tips to help you decide.
What type of investor are you?
Your investment timeframe
Your ‘hands-on’ level
Your risk appetite
Five tips for managing risk in superannuation investments
1. Diversify your super investments
Investing in a mix of investments (diversification) can help protect your investments against market ups and downs. Spreading your investments across a variety of companies, industries and regions in different asset classes can help reduce the impact of negative returns.
Diversification is particularly important to consider if you’re planning to build your own strategy with our DIY Mix options or invest your own super using Member Direct. Our PreMixed options are already diversified and each option has a different mix of assets.
2. Focus on your long-term needs
Watching your super balance go up and down can be unsettling. While it can be tempting to change investment options when markets are falling, it isn’t always the best approach. Investments that are volatile over short periods of time may have the potential to grow more over longer periods.
3. It’s normal for markets to change
Most super investments go up and down over time. Market movements can mean the asset allocation of your portfolio moves away from its original strategy and changes your risk level.
In our PreMixed options, we actively adjust the asset allocation so it reflects our strategy. If you invest in our DIY Mix options or Member Direct, you’ll have to manage this yourself.
4. Review your strategy
When your circumstances or objectives change, it’s a good idea to review your strategy to ensure it’s still right for you. For example, you might be nearing retirement and need to access some of your super in the short term.
5. Consider seeking financial advice
The best option is the one that suits your investment time frame and how comfortable you are with risk, as well as your circumstances and goals. A professional financial adviser can help you develop an investment strategy to meet your needs, which could make a big difference to your retirement savings over the long-term.
Information to help you choose investments
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- Personal financial product advice is provided under the Australian Financial Services Licence held by a third party and not by AustralianSuper Pty Ltd. Some personal advice may attract a fee, which would be outlined before any work is completed and is subject to your agreement. With your approval, the fee for advice relating to your AustralianSuper account may be deducted from your AustralianSuper account subject to eligibility criteria.
- AustralianSuper Balanced investment option compared to the SuperRatings Fund Crediting Rate Survey - SR50 Balanced (60–76) Index to 31 December 2024. Investment returns aren’t guaranteed. Past performance isn’t a reliable indicator of future returns.