While most of our members choose to invest their super in our Balanced option, you can choose to invest in one or a combination of our pre-mixed and asset class investment options. 

But how do you know which option’s right for you? Here are three key things to consider. 

1. Understanding growth and defensive assets 

Each of our Pre-mixed options has a mix of growth and defensive assets. 

• Growth assets such as shares and property generally produce higher returns over the long term.  They’re also more volatile and come with a greater chance of short-term negative returns, which makes them a higher-risk choice. 
• Defensive assets are typically safer than growth assets. These include cash and fixed interest investments which are generally steadier and more stable. However, their returns are usually lower over time, and there’s a risk that returns may not keep up with inflation. 

We can help you determine your personal growth/defensive profile and understand how much risk is right for you.  

2. What’s your investment timeframe? 

Your investment timeframe affects the amount of risk you can take on. Generally, the longer your timeframe, the more risk you may be willing to accept.  

• If you’re a 22-year old who’s just opened your first super account – you’ve got a long investment time frame, and you may be willing to have a higher exposure to growth assets to maximise your returns, even if it means some volatility along the way. 
• If you’re in your 70s and you’ve stopped working, you might be relying on your super to fund your retirement. So you might focus on minimising volatility and foregoing higher returns for more stability. 

Our team of experts can help you make the most of your investment timeframe – both inside your super, as well as for investments outside of super.  

3. Why diversifying your investments is important 

Concentrating your investments into one asset class means you risk making higher losses if your chosen asset class underperforms.  

Diversifying your investments across different assets, sectors and countries means spreading your exposure. This way, if one area underperforms, the performance of other assets can offset any losses. 

The good news for our members is that our Investments team has factored diversification into our pre-mixed options so you can choose the option (or options) that matches your unique growth/defensive requirements. 

Next steps and how we can help  

Want some extra support to choose your investments? Our Super Advisers can help you understand our investment options and make the right choice for your situation. You can speak to a Super Adviser over the phone, and best of all, this service is included in your membership so there’s no extra cost to you.^_# 

For tailored advice that’s more in-depth, you can book an appointment with one of our qualified Financial Advisers.^* They’ll take a comprehensive look at your full financial situation to help you build your financial freedom. Fees apply for this service.  

Find out more about your super advice options. 

_{^# CareSuper Advice is a financial advice service available to CareSuper members through CareSuper Advice Pty Ltd, ABN 78 102 167 877, AFSL No. 284443 which is licensed to provide financial advice services and deal in financial products. CareSuper Advice Pty Ltd is a wholly owned company of CareSuper (Secretariat Co) Pty Ltd ABN 29 104 826 413, a related entity of CareSuper Pty Ltd ABN 14 008 650 628, AFSL No. 238718 (Trustee) which is the trustee of CareSuper ABN 74 559 365 913 (Fund).
*Advice is provided by one of our financial planners who are Authorised Representatives of Industry Funds Services Limited (IFS). IFS is responsible for any advice given to you by its Authorised Representatives. Industry Fund Services Limited ABN 54 007 016 195 AFSL 232514.}