Your investment options

Get to know your investment options and how they can help you achieve your goal for a great life after work.

What is a personalised option?

This is a unique investment option that automatically 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 goal, we can further personalise your investment strategy to your circumstances with GoalTracker Plus.

Who is best suited to invest in this 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 best suited to invest in these options?

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
» Blended Balanced  » Blended Balanced
» Balanced  » Balanced
» Balanced Opportunities » Balanced Opportunities
» Growth » Growth
» High Growth » High Growth

 

What are outcome-oriented options?

Options focused on delivering an investment return target above inflation, while managing downside investment risk. As a result, these options may not experience the large gains that more growth-oriented diversified options do in strong markets, but aim to avoid negative returns. Like the diversified options, outcome-oriented options are invested across a broad range of investment types.

How are these options managed?

Unlike the diversified options, outcome-oriented options are focused on achieving return objectives, rather than matching a particular risk profile. This means the portfolio manager has more discretion to continually adjust the investment strategy (and risk profile) to achieve the target outcome.

Who is best suited to invest in these options?

Investors looking for a specific return from their investment. For instance, an outcome-oriented option may be suitable for a retiree seeking more certainty over their income payments, or an investor nearing retirement with sizeable savings to protect. Lower potential for generating high returns (say compared to a High Growth diversified option) can make these options less suitable for younger investors with decades to invest.

 iQ Super iQ Retirement
»Multi-Asset Income Strategy » Multi-Asset Income Strategy
»Multi-Asset Growth Strategy » Multi-Asset Growth Strategy

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 best suited to invest in these options?

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
Responsible Global Shares Responsible 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.

 iQ Super iQ Retirement
Australian Fixed Income Australian Fixed Income
Global Fixed Income - $A Hedged Global Fixed Income - $A Hedged
Australian Opportunities Australian Opportunities
Global Opportunities Global Opportunities
Global Opportunities - $A Hedged Global Opportunities - $A Hedged
Australian Cash Australian Cash
Australian Cash Enhanced Australian Cash Enhanced
Emerging Markets Emerging Markets
International Property Securities - $A Hedged International Property Securities

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
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