INVESTMENTS
Your investment options
Select from a range of investments, including pre-mixed or build your own options that align to your needs. Plus discover GoalTracker®, personalised super built on what we know about you.
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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.
What is a personalised option?
This is a unique investment option that invests your super based on the information it knows about you.
How is this option managed?
Your personalised investment strategy 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. And by telling us more information about you and your retirement goals, we can help you further personalise your investment strategy with GoalTracker™ Plus.
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 GoalTracker™, our MySuper approved investment option that personalises your investment strategy based on what it knows about you.
| iQ Super | iQ Retirement |
|---|---|
| GoalTracker™ | N/A |
What are diversified options?
A spectrum of options that range from low risk (and low expected return) through to high risk (and high 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 |
What are responsible options?
These options focus on investments that contribute to society and the environment positively in some way or promote beneficial outcomes for communities.
How are these options managed?
The Global Shares Option is designed to support the management of climate change risk through decarbonisation. It also excludes companies involved in tobacco, nuclear weapons, cluster munitions, anti-personnel mines and uranium. The Australian Shares Option avoids investments in alcohol, tobacco, gaming, uranium mining, weapon and armament manufacture and companies that derive more than 10% of revenue from pornography.
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 |
|---|---|
| Responsible Australian Shares | Responsible Australian Shares |
| Low Carbon Global Shares | Low Carbon Global Shares |
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.
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.
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
MORE ABOUT THE PERSONALISED OPTION
When you first join iQ Super, your super will automatically be invested in GoalTracker, unless you tell us otherwise.
This award-winning option invests your super based on the information it knows about you such as age.
And by telling us more about you and your goals for the future, we can help you further personalise your investment strategy to your circumstances with GoalTrackerPlus.
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 nowMaking 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 insightsAward-winning innovation
GoalTracker has been recognised globally for its innovation.
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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.
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