Investment objectives and philosophy

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We focus on delivering consistent
long-term returns

Find out how we invest your super and what our philosophy is when it comes to managing your money for the long term.

  • Our investment philosophy

    With CareSuper you get a smoother ride

    Our investment philosophy guides our decision-making and helps us make sure we continue to build your retirement savings in line with your best interests. When it comes to investing, our philosophy is to:

    • Capture most of the upside when markets rise, while preserving members’ capital in volatile markets, and
    • Produce consistent returns that exceed inflation over the medium to long term.

    We aim to avoid extreme highs and lows, looking for sustainable yet reasonable returns in times of strong market growth and minimising members’ losses while markets are weaker and volatile. Each of our investment options has its own specific objectives. Find out more about CareSuper investment options.

  • Choose your own investments

    Choose how your super is invested or leave it
    to us

    As a CareSuper member you can choose how your super is invested based on your needs and goals and the level of risk you are comfortable with. If you don’t make a choice, your super will be invested in our default option – the Balanced option (known as the MySuper option from 1 July 2013).

    CareSuper offers you 13 investment options, consisting of seven Managed options, five Asset Class options and the Direct Investment option to cater for a range of different investment needs and profiles.

    Our Direct Investment option gives you greater control over your investments, allowing you to invest a proportion of your super in your choice of securities listed on the S&P/ASX 300 Index as well as a range of exchange-traded funds (ETFs) and term deposits.

    You can choose one or a combination of options to create a strategy that suits your objectives, time frame and tolerance for risk.

  • Advice about the right option for you

    Make the most of your super with expert advice

    Before you switch investments, it might help to speak to a qualified financial planner to make sure you’re choosing an option that fits your personal investment profile.  CareSuper members can access super-related advice over the phone for simple matters at no additional cost.  Get in touch with a financial planner for super-related advice.

  • Responsible investing

    Responsible investing

    Be confident your money is being invested responsibly

    Responsible investing is about generating competitive returns while investing in line with sound environmental and social values, and in companies that demonstrate strong corporate governance.

    Responsible investing doesn't mean sacrificing members’ investment returns. Our aim is to do both – to generate competitive returns and to invest responsibly.  And we’ve taken concrete steps to ensure you can be confident your money is being invested responsibly.

    Learn more


This website contains general advice, not taking into account your objectives, financial situation or needs. Before acting on this advice you should determine if it is appropriate for you. Before acquiring a product, first read its product disclosure statement. Some products and services offered on this website are provided by third parties. The trustee is not responsible for the products or services, views or actions of these third parties. Terms and conditions may apply which should be obtained from the third parties direct. The trustee does not accept liability if loss or damage is incurred from the acquisition of third party products or services. Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. CARE Super Pty Ltd (Trustee) ABN 91 006 670 060 AFSL 235226 CARE Super (Fund) ABN 98 172 275 725
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