IMPORTANT INFORMATION

Changing your investments

Choosing how your super is invested and an appropriate investment strategy for your needs may make a difference to your retirement.

Press 'Edit' on the Investments page to update either your Current Investments or your Future Contributions.

Under either of these options (in edit mode), you will be able to view the full investment menu. By clicking on the investment option name, you will find out more about that option. Each investment option is assigned a Standard Risk Measure (SRM), which is the estimated number of annual negative returns in any 20 year period. 

The (SRM) is a tool to help you compare investment risk across investment options. It is based on industry guidance and is not a complete assessment of investment risk. It does not take into account:

• what the size of a negative return could be 
• if the size of a positive return will be enough to meet your objectives, or 
• the impact of administration fees and tax on the likelihood of a negative return.

You should check you are comfortable with the risks and potential losses associated with your chosen investment option(s).

The standard risk measure consists of six risk labels:

Risk label	Estimated number of negative annual returns over any 20 year period
Very high	6 or Greater
High	Between 4 and 6
Medium to high	Between 3 and 4
Medium	Between 2 and 3
Low to medium	Between 1 and 2
Low	Between 0.5 and 1
Very low	Less than 0.5

Risk labels are not a guarantee of the number or frequency of negative annual returns for an investment option.

Making changes

Changes to your current account balance and your investment strategy for your future contributions and transfers need to be completed separately.

Update your current investments only

You can change your current investment strategy for your current account balance. Your current strategy for your future contributions and transfers won’t change.

You can switch your current account balance by either dollar amount or by a percentage. To assist in making this decision please read the following:

Percentage: You can apportion your current account balance into investment options by percentage.

Dollar Amount: You can switch the dollar amounts into and out of investment options that make up your current account balance. 

Update your future contributions only

You can change your future contribution investment strategy. Your current account balance won’t change.

Update both your current investments and your future contributions

To change both your current account balance and your investment strategy for your future contributions and transfers you will need to complete two separate transactions.

Note: when viewing percentages in any investment choice, please note that this site can only display whole numbers. As a result, if your account is invested across multiple investment options, the percentages may not total 100%.

More information

Download the Investment Guide here.