The plus side

How your super is invested has a big impact on how much money you’ll be able to withdraw from it in the future. But if you’re not an expert, choosing the right investments can be tricky, particularly in times of economic crisis, where strong emotions can play a heavy hand in decision-making. 

When it comes to your super, successful investing is about balancing risk and return in a way that helps you to achieve your retirement income goal. But finding that balance, for your personal situation at different points in your life, is not easy.

If you don’t take on enough risk when you’re further from retirement, your super won’t have time to grow. However, too much risk at the wrong time, could reduce your hard-earned savings.

Because it’s all too hard many super investors rely on their super fund to look after them and believe their fund is doing more than they actually are. A recent survey of more than 3,000 working Australians revealed more than a third of people think that their fund is managing their super investments based on their personal circumstances. In reality, this isn’t true.

Personalised investments built around you…


We have all seen the advances that technology is making in identifying what we like and what we do. We’ve taken this know-how and applied it to the way we invest your money.

Earlier this year, we successfully launched our new default option – GoalTracker, which invests a member’s super based on what it knows about them.

… but we can do even better


By giving us additional information including your retirement income goal your investment strategy can be further personalised with GoalTracker Plus.

And to ensure it remains appropriate for your circumstances, GoalTracker Plus will review your investments every three months and when necessary will make any adjustments required.

You’ll also receive regular updates showing you how you’re tracking to your goal, how your investments are being managed and other suggestions to get your super on track.

 

Three ways to create your investment strategy


Set by you 

You build your own investment strategy by choosing from our investment menu.

If you are invested in more than one investment option you can elect to have your investments rebalanced each month.

We update you on your investments once a year via your annual statement and you decide when to make changes.

How we invest 

 

Set by GoalTracker

■ GoalTracker creates an investment strategy based on information it knows about you such as your age.

■ GoalTracker reviews your investment strategy once a year.

■ We update you on your investments once a year via your annual statement.

Learn more


Set by GoalTracker Plus

■ GoalTracker Plus personalises your investment strategy based on additional information provided by you, such as your anticipated retirement age, retirement income goal and other savings you have.

■ GoalTracker Plus reviews your investment strategy four times a year.

■ You receive four check-ins each year and your annual statement.

■ There is no additional cost to you for ongoing advice on your investment strategy*.

Explore GoalTracker Plus

 

* If you are invested in the GoalTracker Option, there is no additional cost for GoalTracker Plus. If you are invested in another investment option, your investment fee could increase or decrease. For more information review the Product Disclosure Statement available in your online account