My Choice

Choose your own investment and payment options

You can tailor your account to your retirement goals. But remember - your payment and investment choices will affect how long your retirement savings last.

When setting up your account consider:

  • How much money you’ll need each year
  • If you’ll receive money from a source other than your income account (like the Government Age Pension)
  • How long you think you’ll need your retirement savings to last. With current life expectancies, and depending on when you retire, your retirement income may need to last you 20 years or longer.

Your investment options

You can make the same investment choices that are available to all members of AustralianSuper.


PreMixed options are diversified options that invest across different combinations of asset classes such as shares, property, infrastructure, fixed interest and cash.

  • High Growth
  • Balanced
  • Socially Aware
  • Indexed Diversified
  • Conservative Balanced
  • Stable
  • Capital Guaranteed

Please note, the Capital Guaranteed investment option will close on Friday 22 September 2017.


DIY mix options are single asset class portfolios. You choose how much you want to invest in each asset class. You can also invest in a combination of both DIY mix and Premixed options.

  • Australian Shares
  • International Shares
  • Property
  • Diversified Fixed Interest
  • Cash
Member Direct

Invest in a range of listed securities, including stocks in the S&P/ASX 300 Index, exchange traded funds (ETFs), and term deposits.

Please consider your income needs, investment goals and the risk profile of each option before making your choice.

Your payment options

Selecting your payment options is more than just choosing how much you’ll receive. You’ll need to choose how often you receive income payments and how much those payments will be. You can set the payments as a fixed amount, or the minimum or maximum percentage of your account balance.

The choices you make will have a big impact on how long your savings will last, so it’s important to think about your long-term needs. Remember, you can always make extra withdrawals if you need a bit more money to help pay for something out of the ordinary.

Some limits apply to both arrangements:

  • You must be paid at least once a year, or you can choose to be paid every two weeks, once a month, once every three months or twice a year
  • You must be paid a minimum percentage of your account balance each year, and a maximum of 10% if you’re under 65 and using a transition to retirement strategy.

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