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With super, it's easy to set and forget. But choosing a suitable investment option will have a major impact on how your super performs. So see what your fund and others have to offer. Super funds invest your money to grow your nest egg over your working life. Most super funds let you choose a range of investment options.

The difference between investment options is mainly how much investment risk you are willing to take on. You can find out about the different investment options on your fund's website and by calling their general phone line. For more detailed information, see the fund's product disclosure statement.

MySuper will eventually replace existing default accounts offered by super funds. See MySuper for more details. Aims for higher average returns over the long term. This also means higher losses in bad years than those you would experience with lower risk options. Aims for reasonable returns, but less than growth funds to reduce risk of losses in bad years.

Those losses usually occur less frequently than in the growth option. Aims to reduce the risk of loss and therefore accepts a lower return over the long term. There is less chance of having a bad year than in the balanced or growth options. This option aims to guarantee your capital and accumulated earnings cannot be reduced by losses on investments.

Refer to the table below to see the typical investment characteristics of different types of investment options within super.

Most people work for 30 to 40 years and live for another 25 to 30 years after retiring. You want your super to grow and to keep pace with inflation during this time. For this reason, a growth or balanced strategy may suit a long-term investor who won't be spending their super for more than 10 years.

A higher risk strategy may deliver higher returns, but the risk is losses in bad years. Over 30 to 40 years, it's likely that any growth strategy will lose money in at least 4 to 6 of those years.

However, there are likely to be more ups than downs. Historically, over any year period, a growth or balanced strategy has given better returns than more conservative investment options. You must decide if the likely rewards are worth the risk. If you won't be accessing your super for 5 or more years, your focus should be on what it's likely to be worth in the future. It doesn't matter what it is worth from day to day, in the same way that the value of your home doesn't matter from day to day.

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It only matters when you sell your house, or, in this case, take out your super. A lower risk, lower australian binary options rollover strategy e. This strategy may suit if you're retiring and intend to withdraw all your super in less than 5 years, and you want to be sure how shenzhen stock exchange opening hours money you'll fort livestock market scott. Adam, 40, would like to retire when he is To make this happen, he knows he has to build a nest egg.

He has some shares and is paying off an investment property with his sister.

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Adam wants a super fund that offers relatively old money dog stock market returns over the long term. He is willing to tolerate the risk of negative returns in bad years. He decides on a growth fund as he hopes that over the next 20 years the good years will outweigh the bad. Picking the right investment option within super is important whether you're 16 or Your investment strategy will influence how much money you'll have to retire on and how you live your life in your retirement years.

Quick search Skip to main navigation Skip to content Skip to footer. How super funds invest your money MySuper Types of investment options Picking a suitable investment option Think before you choose How super funds invest your money Super funds invest your money to grow your nest egg over your working life.

MySuper Many super funds offer a new type of account called MySuper.

A single diversified investment option or life stage investment option Lower fees and restrictions on the type of fees you can be charged Simple features so you don't pay for services you don't need See MySuper for more details.

Super funds vary in the way they use these terms. How much is invested in shares and property compared with cash and fixed interest for each investment option The type of assets that is included in each of these categories Refer to the table below to see the typical investment characteristics of different types of investment options within super. High Expect a loss: Medium Expect a loss: Low Expect a loss: Very low Expect a loss: Think before you choose When choosing your investment strategy, consider the following: Your age How comfortable you are with investment risk How long before you are able to access your funds Your retirement goals If you won't be accessing your super for 5 or more years, your focus should be on what it's likely to be worth in the future.

Adam's super investment strategy Adam, 40, would like to retire when he is Quick links Unclaimed money Publications Financial advisers register Financial counselling Payday loans Unlicensed companies list Report a scam How to complain Other languages eNewsletter. Under 25s Over 55s Families Women Educators Indigenous.

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