Advice when markets move

Worried about market volatility? Help is available with your CareSuper membership

When markets are volatile, it’s normal to feel uneasy about your super. Headlines can move quickly, balances may go up and down, and it can be hard to know whether your current investment option(s) still feels right for you.

Support for confident super investment choices

One of the benefits of being a CareSuper member is access to Personal advice, also known as limited advice, at no additional cost. It’s included with your membership and is designed to give you peace of mind, particularly when markets feel uncertain.*

Through a one-on-one personalised conversation with a qualified Superannuation Adviser, we can help you understand which investment option best suits you.

During the session, the adviser will take you through a risk profile. This looks at things like:

  • how comfortable you are with market ups and downs
  • how long you expect your money to be invested
  • whether you’re still growing your super or starting to draw an income.

Your risk profile helps guide which CareSuper investment option may be the best fit for your risk and return preferences, so you can feel more confident about where your super is invested.

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When is limited advice a good fit?

Limited advice is designed for members who want:

  • reassurance that their current investment option(s) still suits them
  • help choosing between CareSuper's investment options
  • a clearer understanding of how risk and volatility relate to their super.

It's a straightforward way to sense-check your investments, especially during uncertain market conditions, without needing a full financial plan.1

When might you need comprehensive advice?

Comprehensive advice takes a holistic view of your finances, helping you build a strategy that goes beyond super and works across your whole picture.

It could be right for you if you're looking for:

  • tailored strategies to manage investment volatility
  • investment planning inside and outside super
  • investment allocations for you and your spouse.

Fees may apply and will always be discussed upfront, so you can make an informed decision about what's right for you.2

CareSuper Pty Ltd (Trustee) (ABN 14 008 650 628, AFSL 238718). CareSuper (Fund) (ABN 74 559 365 913). Consider the PDS and TMD at caresuper.com.au/pds. A copy of the Financial services guide for CareSuper is available at caresuper.com.au/fsg.

This is general information only and doesn’t take into account your objectives, financial situation or needs. Before making a decision about CareSuper, you should consider if this information is right for you. You may also wish to consult a licensed financial adviser.

1CareSuper 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)

2Advice is provided by one of our financial planners who is an Authorised Representative or Representative of Industry Financial Services (IFS) Limited ABN 54 007 016 195 AFSL 232514 as specified in their Financial services guide. Fees may apply. Further information about the cost of advice is set out in the relevant Financial services guide, a copy of which is available for download at caresuper.com.au/fsg-comp-advice or by calling 1800 005 166. IFS is responsible for any advice given to you by its Authorised Representatives and Representatives.

Past performance isn’t a reliable indicator of future performance. The value of investments can rise or fall, and investment returns can be positive or negative.