Make the right choice for you
We’re in a limited service period
While we complete our merger, investment switches will be restricted until 21 November. Investment switches can be made via paper form from 1 November and will be processed effective the date we receive your paperwork. Investment switches through Member Online will resume from 21 November. Visit our merger hub for further information.
Trying to choose an investment option?
There's a bit to consider, so here's a 5-step guide to help you feel confident about your choices.
Step 1: Get to know the basics
New to investing? Read this page to get an idea of the basics. For more information about how CareSuper invests, check out the appropriate PDS.
Step 2: Decide how hands-on you want to be
If you're looking for a low maintenance investment, consider one of our Pre-mixed options. We've done the work for you by putting together diversified investments across a range of assets, such as shares, property, fixed interest, cash and more.
Prefer to create your own portfolio? No problem, you can mix and match any of our Pre-mixed and Asset class options.
Step 3: Consider how long you'll be invested
As a very general rule, the longer your super is going to be invested, the more risk you may be able to take with your investing. That doesn't mean you have to suddenly move everything to a low-risk option when you hit 60 or 65. If you take up a retirement income account, your super's likely to stay invested for a long time, even after you stop work.
Remember, you can split your account over more than one option. This may allow you to be more conservative with funds you want to access sooner and invest the rest for a longer time frame.
Knowing how long you're planning to keep all or some of your super invested can affect the investment choices you make. Each of our investment options lists a suggested minimum investment time frame and risk level so you can easily compare them.
Step 4: Know how you feel about the risk/return trade-off
Like any investment, super isn't risk-free.
Growth assets, such as shares, tend to generate higher returns over the long term, although they also carry a greater chance of experiencing negative returns over the short term.
Defensive assets, such as cash and fixed interest, tend to be more steady and stable. However, their returns are usually lower over time and there's a risk that returns may not keep up with inflation.
Check out the relevant PDS where we explain each asset class.
Risk vs Return
Our Pre-mixed options are made up of growth and defensive assets, and these combinations of assets have different effects on the potential for risk and return.
It's important to know the facts about risk and return before investing your super. While you may have the time to ride out the ups and downs, you may still not be comfortable with a higher risk option.
So how much risk should you accept?
The answer is "it depends". It depends on the investment return you're aiming for, balanced against how much risk you're comfortable taking and your time frame for investing.
Another factor to consider is any money or assets you have outside super and how they're invested.
Step 5: Tell us your choice
You can log in to your account and change your investments or give us a call on 1800 005 166.
For more information on the options available to you, check out our investment options page.