Important Information

This important information relates to many members super accounts; their circumstances may be different from yours. If you are in doubt about whether or not a particular provision applies to you or if you simply would like further information, please call us on 1800 682 626.

It is important for you to consider your own personal financial circumstances, objectives and needs (your needs). We do not consider your needs. If you would like someone to help consider your needs before you change your investment strategy you should speak with a licensed or appropriately authorised financial adviser. To speak with an Equip financial adviser, please call us on 1800 682 626. You should also consider the Product Disclosure Statement, available on the Documents page.

Before making a change to your investment strategy you should read the details of each investment option involved carefully - this can be done by simply clicking on the name of the investment option. Over time, unit prices for different investment options rise and fall at different rates resulting in the proportion of your current balance in each option changing.

You are generally able to exercise investment choice however, for some members their specific plan rules prohibit investment choice.

It is important to consider the following before your request:

Time to Process Your Request;
Fees and Charges;
Confirmation of your request;
Restrictions to Defined Benefit Members (if applicable);
Restrictions to Pension Members (if applicable)

Time to Process Your Request

If we receive a valid instruction from you before 4.00 pm Melbourne time, we will process your investment switch using the declared unit prices for that day, once known. If we receive your investment switch request after 4.00 pm Melbourne time, we will process your switch effective the following business day (and it will be processed using the following business day's declared unit prices). If you submit multiple investment switch transactions in the 24 hours prior to 4.00pm Melbourne time, only the most recent switch will be processed. Unit prices are not calculated for weekends or Melbourne public holidays.

Fees and Charges

There are no fees charged for changing your investment strategy. You can obtain a unit price quote (reflecting any buy/sell spreads) from the unit price section of the investments page.

Confirmation of your request

Your transaction will only be processed if you have received a Receipt Number. If you tried to do an investment switch but you haven't received a Receipt Number (and wish to make an investment switch), please call us on 1800 682 626.

Your investment switch will become effective once it has been processed by us. You can receive a Confirmation Advice of your investment strategy change, check your preferences.

Your investment change request will only be applied to the account you are currently logged into. If you have multiple accounts with us, you will need to submit a separate request for each account. You can access your other accounts (if applicable) from the navigation.

Your change will not be visible on this site until it is processed by us.

You agree that where we have your email you:

Acknowledge that your email will be used to send you confirmation of this transaction once your request has been processed. You also agree that we may use these details in the future to send you information concerning your super electronically (unless you have otherwise told us).
Understand you can change your preference for receiving confirmation at any time by updating your personal details information via this website, or by calling us.
Acknowledge if your email bounces, you will be issued with a paper-based confirmation letter and that the email address recorded for your account will be removed. If this occurs, you will be prompted to provide an updated email the next time you log in to your account.

Restrictions to Defined Benefit Members (if applicable)

If you are a Defined Benefit (DB) member, you must have an additional accumulation account (which allows you to choose your investments) to make investment switches. Your changes will only apply to this account not your DB account. For details refer to your Product Disclosure Statement and any other member materials, available from the Documents & forms section.

Privacy Policy

By submitting a request to change your investment strategy, you understand and consent to your information being collected, disclosed and used in the manner set out in the our Privacy Policy.

How you are invested:

Very Cautious:

You are invested in a Very Cautious strategy. A Very Cautious investor typically holds between 0% - 15% in Growth Assets and 85% - 100% in Defensive Assets. A Very Cautious investment portfolio on average experiences up to one negative return over a year in a 20 year period and expects long term returns (before tax) in the range 3.5% - 4.5% p.a.*

Cautious:

You are invested in a Cautious strategy. A Cautious investor typically holds between 15% - 40% in Growth Assets and 60% - 85% in Defensive Assets. A Cautious investment portfolio on average experiences 2 - 3 years of negative returns in a 20 year period and expects long term returns (before tax) in the range of 4% - 5.5% p.a.*

Slightly Cautious:

You are invested in a Slightly Cautious strategy. A Slightly Cautious Investor typically holds between 40% - 50% in Growth Assets and 50% - 60% in Defensive Assets. A Slightly Cautious investment portfolio on average experiences 3 years of negative returns in a 20 year period and expects long term returns (before tax) in the range of 5% - 6% p.a.*

Slightly Confident:

You are invested in a Slightly Confident strategy. A Slightly Confident investor typically holds between 50% - 60% in Growth Assets and 40% - 50% in Defensive Assets. A Slightly Confident investment portfolio on average experiences 3 - 4 years of negative returns in a 20 year period and expects long term returns (before tax) in the range of 5.5 - 6.5% p.a.*

Confident:

You are invested in a Confident strategy. A Confident investor typically holds between 60% - 85% in Growth Assets and 15% - 40% in Defensive Assets. A Confident investment portfolio on average experiences 4 - 5 years of negative returns in a 20 year period and expects long term returns (before tax) in the range of 6% - 7.5% p.a.*

Very Confident:

You are invested in a Very Confident strategy. A Very Confident investor typically holds between 85% - 100% in Growth Assets and 0% - 15% in Defensive Assets. A Very Confident investment portfolio on average experiences 5 - 6 years of negative returns in a 20 year period and expects long term (before tax) returns in the range of 7% - 8.5% p.a.*

*Past performance is not a guarantee of future performance.