Each diversified option has a different split between growth and defensive asset types, according to its risk/return profile. Each option is spread across a wide range of asset classes, in varying allocations between defensive and growth type investments. This ensures that they remain true to their risk/return profile regardless of market conditions. Learn more about our investment options, including diversified options.
On-demand webinars
To make smart choices about your super and retirement, it's important to have reliable information from trusted experts. Our on-demand webinars can be a great source of information and inspiration in understanding what works best for you.
On demand webinars
Australia's super system explained
Australia’s Super System Explained outlines how superannuation provides Australians with a tax-effective, compulsory way to save for retirement. It explains employer and voluntary contributions, the power of compound interest, and the value of starting early. Members can choose from different investment options and manage risk versus return. Russell’s GoalTracker and support services help individuals plan, set lifestyle goals, and maximise their super.
Hosted by Martin Kennedy
Managing your super through market ups and downs
Managing Your Super Through Market Ups and Downs explains how investors can navigate volatility in their retirement savings. It highlights the role of emotions in poor investment timing and stresses long-term strategies like diversification, dollar-cost averaging, and understanding risk measures. The presentation also outlines the importance of time horizons, warns against scams, and showcases Russell’s GoalTracker tools to help members stay on track. Finally, it encourages using apps, advice services, and retirement planning support to make the most of superannuation.
Hosted by Martin Kennedy
3 Steps for unlocking a brighter future
Taking control of your super savings doesn’t have to be hard work.
3 steps to unlocking a brighter future, where we'll show you the tools that you can use today to help you take the next step in planning for your future. You will learn:
- What your super savings could be worth in the future
- A fun way to set a goal for your future lifestyle
- The super strategies that you can start today to help turn that goal into reality
Hosted by Martin Kennedy
Frequently Asked Questions
- It’s important to be clear on your own investment goal and to understand the risk/return trade-off of the asset classes in which you want to invest your super.
- Strategic plans are there to keep you on track to your long-term objective. Take care not to undermine it with short-term reactive decision making. Remember that super is a long-term investment and stick to the plan.
- Rest assured that our investment experts monitor markets day and night, can respond quickly and insightfully to major market events.
- We also offer financial advice on investing your super savings, at no cost to you. Call us today to find out more.
Keep a level head with these tips:
Take five minutes to watch our top investment strategists discuss the market week that was.
- Calculate the amount of income you're heading for in retirement.
- Help you set an income goal that's right for the retirement lifestyle you want.
- Offer tailored advice and strategies to help achieve it.
In three simple steps and at no extra cost, GoalTracker can:
- Tax-effective: With tax concessions for contributions made from before-tax income, low tax on investment earnings and tax-free withdrawals in retirement, super is seriously tax-friendly.
- Power of compounding: It’s where the returns you get from investing your super are reinvested to potentially generate more returns. Over time, it all adds up.
- In it for the long term: With super, you can start with small savings—that you might not even notice—that could add up to make a big difference by the time you retire.
- For peace of mind: Knowing that you are actively taking steps to secure your financial future could help to reduce financial stress in the long term.
Here’s why:
Check out some smart strategies to grow your super.
Personalise your super with GoalTracker™
GoalTracker can help you set, track and achieve your retirement income goal for the future. By telling us more about you and your goal for a great lifestyle after work, we can help build your super and investments around you with our award-winning innovation GoalTracker.
Find out more
Ramp up your super plan
Understanding your pathway to retirement
The "Pathway to Retirement" guides individuals through setting retirement goals, exploring achievement options, taking simple actions, understanding transition approaches, and identifying next steps to create a comprehensive retirement plan.
Hosted by Martin Kennedy
Managing Super for a Great Life After Work
When it comes to setting yourself up for a great life after work, it helps to understand the essentials - setting a goal, boosting your super savings, and your options leading up to retirement.
Hosted by Martin Kennedy
Planning for future you
Gain insights into simple and practical tools that can empower you to take decisive steps towards a well-prepared retirement. Join us and unlock the knowledge for securing your financial future.
Hosted by Martin Kennedy
Saving for retirement
If you’ve ever wondered whether your super will be enough to help fund your ideal lifestyle in retirement, this is your chance to discover the how, what, and where of saving for retirement.
Hosted by Martin Kennedy
Funding your retirement
Explore retirement income options. Learn how your super can start providing an income when you retire. Take control of your retirement and discover strategies to help you retire on your own terms.
Hosted by Martin Kennedy
Understanding Transition to retirement
Whether retirement is around the corner, or still a way down the track – we’re here to help you understand some of the options available to help set you up for the lifestyle you want.
- Simple steps to help boost your super savings today
- What a Transition to Retirement strategy is all about
- Where to get more personalised help and advice
Hosted by Martin Kennedy
Frequently Asked Questions
- If you have reached your preservation age, you can use iQ Retirement to set up a transition to retirement (TTR) strategy to access your super while you're still working.
- If you have reached your preservation age and are no longer working, you can use iQ Retirement to access your super to start a full pension.
- If you are linked to another family member’s account in iQ Retirement, you can reduce your administration fees on amounts over $500,000.
iQ Retirement can help you to retire on your terms.
The rules can be complicated, so we created a visual guide to help you out. It covers payment rates, residency and age requirements, the income and assets tests, timing and what’s involved in applying for it.
Investing involves understanding your comfort level with risk, investment timeline, diversification, investment goals, and costs and fees involved.
If you’re keen to get in the thick of it, you can dig deeper into our investment options, review your current investment strategy via your online account and get advice on investment choice at no cost, call us to find out more.
Alternatively, why not consider GoalTracker™, an innovative program designed to help you fund the lifestyle you want in retirement? Importantly, GoalTracker Plus creates and manages a tailored investment strategy based on your retirement income goal, it’s reviewed every quarter. It’s our way of giving you access to expert advice at no extra cost.
- Making before-tax contributions by salary sacrificing, provided your employer agrees (contribution limits apply).
- Making after-tax contributions straight from your bank account into your super, either regularly or whenever you can (contribution limits apply).
- Making a contribution from the sale of your home into super via a downsizing contribution
- Getting financial advice , in the form of general information, a Retire Ready meeting, phone-based personalised advice or comprehensive advice.
- Exploring GoalTracker™, our award-winning program that offers a simple step-by-step approach on setting a retirement income goal and guidance on how to achieve it.
Consider the following strategies:
Transform your financial future with expert advice
Whether you're just starting out or nearing retirement, strategic and tailored advice and guidance from an expert to achieve your retirement goals can be transformative. Discover our range of advice options: general advice, Retire Ready meetings, personal advice, and comprehensive solutions.
Find out more
Make your super last
Understanding your entitlements
Learn about government benefits for your retirement income. Explore eligibility and entitlements, including the Age Pension and other concessions, even if you think you may not be eligible.
Hosted by Brendon Marnies
Supercharging your income
What opportunities are available to you in retirement? Watch us discuss new and existing opportunities to increase your income in retirement, including downsizer contributions and changes to the work test.
Hosted by Paul Basso
Markets and investing
What role does investing play in achieving your retirement goals? Gain insights into the market outlook, investment cycle and considerations for retirement investing, as well as investment options within iQ Retirement.
Hosted by Alex Cousley and Adam Krull
Frequently Asked Questions
A little bit of planning can go a long way. Following a realistic budget and doing part time work (without impacting any Age Pension criteria) could be more immediate actions for you to consider. In the long term, you could look into paying down large debts (like a mortgage), planning for healthcare costs and ensuring that your retirement savings are invested across a mix of asset classes to suit your circumstances.
Need more help? We offer phone-based advice on investment choice or can connect you with a financial adviser who can consider your full financial picture.
- draft a legally valid will that clearly outlines your wishes
- set up/review the beneficiaries of your super/insurance/financial accounts
- establish a testamentary trust for greater control over how your assets are distributed and managed
- consider life insurance which offers a lump sum payment on your passing
- Talk to an adviser or lawyer specialising in philanthropic planning.
This is a great idea and needs careful consideration. You can:
- Non-concessional contributions – where you can contribute to super with your after-tax money.
- Spouse contributions – where your spouse can make after-tax contributions on your behalf
- Downsizer contributions –where you may be eligible to make a downsizer contribution into your super from the proceeds of selling your home. Eligibility criteria apply.
Here are some options:
Call us on 1800 555 667 to find out more.
- feel differently about how much investment risk to take on
- want to generate a reliable income
- need to have a withdrawal plan that doesn’t deplete your savings too quickly.
While this does depend on your personal circumstances and retirement income goal, generally, when you move from saving super to spending it, it’s a good idea to review the way your retirement savings are invested. After all, you may: