Choosing the right investment option

Choosing how to invest your super is an important step to reaching your financial goals.

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?

There are three key things to keep in mind when choosing investment options.

Your investment timeframe

This is how long you plan to invest your super savings before your retire. Knowing your investment timeframe can help narrow down your investment options.

Your ‘hands-on’ level

Consider how 'hands-on' you want to be with your investments. We have three types of investment options, each with a different hands-on level.

Your risk appetite

Investment options and asset classes have different levels of risk. It's important to know how comfortable you are with different levels of risk.
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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.

Know your risk profile

Before you choose how to invest your super, it’s important to understand your risk appetite when it comes to investing. Use our Risk Profiler tool to work out the type of investor you are, so you can be better guided when making investment decisions.

Get advice to help you choose

We have a number of financial advice options1, including general advice over the phone. For comprehensive advice, we can connect you with our network of Financial Advisers.

Download our Investment Guide

For more information about investing at AustralianSuper, check out our Investment Guide.

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