INVESTMENTS

Your investment options

Select from a range of investments, including pre-mixed or build your own options that align to your needs.

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Know your options

Get to know the different investment options available to you and how each can help you achieve your retirement goals. To help you make more informed decisions, our global team of investment strategists regularly provide insights on the challenges investors face.

GOALTRACKER (MYSUPER) INVESTMENT OPTION

What is the GoalTracker (MySuper) option?

The GoalTracker (MySuper) investment option invests your super based on your age.

How is this option managed?

This investment option is delivered through a diversified portfolio invested across a range of asset classes. When you’re younger, your investment strategy will have a higher allocation to growth assets to help grow your super balance. As you approach retirement, it will increase your allocation to defensive assets to help protect your savings.

Who is suited to this investment option?

We know that many people aren’t investment experts. They just want the peace of mind of knowing their investment strategy is in the hands of someone they can trust. That's why we offer the GoalTracker investment option – which goes beyond the ‘one-size-fits-all’ to take your age into account.This is also the default, MySuper approved investment option for members who don’t make an investment choice.

iQ Super	iQ Retirement
GoalTracker™	N/A

DIVERSIFIED OPTIONS

What are diversified options?

A spectrum of options that range from lower risk (and lower expected return) through to higher risk (and higher expected return) investments. Each option includes a mix of different investment types, including shares, property, bonds, cash and alternative assets, such as infrastructure and commodities.

How are these options managed?

Each diversified option is managed to get the best possible level of return for a given level of risk. For example, higher risk options are managed to deliver higher long-term returns, yet from time to time, there may be years that bring negative returns. Importantly, the investment strategy for each option is managed in line with its diversification mix, so as an investor you always know that your investment strategy will be in line with your risk appetite.

Who is suited to this investment option?

Investors who know their risk/return profile. This generally comes down to your goals for retirement, your attitude to risk and the timeframe you are investing for.

iQ Super	iQ Retirement
Defensive	Defensive
Diversified 50	Diversified 50
Balanced Growth	Balanced Growth
Growth	Growth
High Growth	High Growth

RESPONSIBLE OPTIONS

What are responsible options?

These investment options are focused on investment opportunities with low carbon impact, and/or environmental, social and governance (ESG) characteristics. There are both Australian and Global responsible options available.

How are these options managed?

These options are designed to support responsible investing goals such as the management of climate change risk through decarbonisation. They also exclude companies involved in tobacco, nuclear weapons, cluster munitions, anti-personnel mines and uranium.

Who is suited to this investment option?

Investors who prefer their super investments to reflect their core values, while still aiming to deliver competitive returns. Both options only provide exposure to a single investment type, so they may be added to a diversified or outcome-oriented option for added diversification.

iQ Super	iQ Retirement
Low Carbon Global Shares	Low Carbon Global Shares
Low Carbon Australian Shares	Low Carbon Australian Shares

SECTOR OPTIONS

What are sector options?

Options providing exposure to a single investment type like shares, bonds, property, infrastructure and cash. Australian and global asset class options are also available.

How are these options managed?

Each option is actively managed by a specialist portfolio manager, aiming to outperform the relevant benchmark over the long term. Each option is carefully risk-controlled, so that returns broadly reflect what investors have come to expect from the asset class/investment type within the option.

Who is best suited to invest in these options?

Advanced investors who want to build a customised portfolio. While these options provide diversified exposure within each investment type, they are not diversified across investment types.

iQ Super	iQ Retirement
Australian Fixed Income	Australian Fixed Income
Global Fixed Income - $A Hedged	Global Fixed Income - $A Hedged
Global Shares	Global Shares
Global Shares - $A Hedged	Global Shares - $A Hedged
Australian Cash	Australian Cash
Australian Floating Rate	Australian Floating Rate
Emerging Markets	Emerging Markets
Listed International Property Securities - $A Hedged	Listed International Property Securities - $A Hedged
Australian Shares	Australian Shares

THIRD PARTY OPTIONS

What are third party options?

These options are a set of low-cost investment options, providing basic passive exposure to a target asset class.

How are these options managed?

These options are passively managed. This means they try to replicate the make-up of the target index, such as the S&P/ASX 300 for Australian Shares, or the MSCI World for Global Shares. There is no portfolio manager actively managing the holdings, or trying to outperform the benchmark index.

Who is best suited to invest in these options?

Investors who prefer low cost exposure, or do not believe that active management can add value over time for these investment types.

iQ Super	iQ Retirement
Third-Party Indexed Australian Shares	Third-Party Indexed Australian Shares
Third-Party Indexed Global Shares	Third-Party Indexed Global Shares
Third-Party Indexed Global Shares - $A Hedged	Third-Party Indexed Global Shares - $A Hedged

GLOBAL EXPERTISE

The big investor advantage

Keen to take control of your own investment strategy? Tap into the highly rated, award-winning global investment expertise of Russell Investments to guide you through the opportunities and uncertainties of investing.

GOALTRACKER

UNDERSTANDING GOALTRACKER

When you first join iQ Super, your super will be invested in the default GoalTracker (MySuper) investment option, unless you tell us otherwise.

This option invests your super based on your age.

But there’s more to GoalTracker than just an investment option – you’ll have access to an award-winning program designed to take the guesswork out of super and give you confidence, clarity and control over your financial future.

You can also choose to activate GoalTracker Plus which can use the information you provided about yourself in the GoalTracker tools, to create and manage a personalised investment strategy for you.

Learn more about GoalTracker

Super simplicity

Find super confusing, complex and better left for another day? Find out how GoalTracker can make saving for your future easier than you think.

Read now

Making super personal: GoalTracker White Paper

Our analysis explores the impact pivoting Australia’s superannuation system to a mass personalised, goals-based approach could have on the real retirement gap. You can read the summary or request the report.

Read key insights

Award-winning innovation

GoalTracker has been recognised globally for its innovation.

For further information about the methodology used by Chant West, see www.chantwest.com.au

CHECK INVESTMENTS

How is your super currently invested?

When was the last time you checked how your super is invested? Simply log in to your online account to review your investment strategy or to access GoalTracker.