Making the most of investment choice

Info for members
Super Informed
23 Mar 2023
3 min read

In times of market volatility, one of the things you can control is how your super is invested.

Man and child planting seeds

Flexibility and choice at UniSuper

The good news is you have flexibility and choice at UniSuper—it’s easy to choose from a range of investment options and create a portfolio that suits you. Whether you’re early in your career, approaching retirement or already retired, it’s important that your super’s invested in a way that meets your needs and suits your life stage.

You can invest your super in different ways, and it’s easy to set your own strategy. Our Balanced option is the default option and suits many members, but depending on your life stage, you could benefit more from one or a combination of different investment options—we’ll explore how below.1

The basics

The main questions to ask when choosing how to invest are:

  • how long do I have until I begin drawing on my super? This is called your investment horizon. If you’re early in your career, this could be some time away
  • how much risk am I comfortable taking? This is referred to as your risk profile. Are you prepared to ride the ups and downs of financial markets?
  • how hands-on do I want to be?

You can choose from our seven pre-mixed options and nine sector options—including two sustainable and environmental branded options and our Global Environmental Opportunities option, which recently won Money magazine’s Best Shares ESG Super Product 2023.

The risks

When it comes to investments, risk and reward are generally intertwined. Investment options that tend to have a higher level of risk could lose money in the short term but are more likely to bring about greater returns in the long term, while options that carry less risk tend to be more stable but are expected to deliver more modest returns over the long term.

It’s important to review your investment strategy from time to time or if your circumstances change to make sure it still meets your needs. Consider speaking to our award-winning advice team if you need help.

Setting your strategy

Think about your responses to the above questions when setting your strategy, and whether you’re on track to achieve your retirement goals—the answers should help guide your decisions.

Discover the risk profile, asset allocation, average performance, and suggested minimum investment time frames for each of our 16 investment options and learn about our sustainable and environmental branded investment options. Download the UniSuper app or log into your online account to switch your investment options.

Remember, everyone’s circumstances are different and super is a long-term investment. We suggest talking to a UniSuper super consultant if you need help. They can help you understand your investment options, and your first appointment is at no extra cost. Your super consultant may suggest personalised advice if you need more help.2

Ways we can help

We’re always looking for ways to help you stay on top of your investments at UniSuper.

Stay up to speed with our monthly investment podcast.

Look out for UniSuper Chief Investment Officer John Pearce’s quarterly investment updates. View the latest video.

Download the UniSuper app from the App Store or Google Play Store to manage your account from wherever you are. Check your estimated balance, review your investment options, keep up with recent transactions and plenty more.

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1 Before switching your super, consider the possible effects this might have on things like the fees you pay, the conditions of your insurance and the tax on your super. There could be other effects too, so it’s best to seek financial advice if you’re unsure.

2 UniSuper Advice is operated by UniSuper Management Pty Ltd ABN 91 006 961 799 (USM), which is licensed to provide financial product advice. USM is also the administrator of the fund UniSuper ABN 91 385 943 850 (UniSuper). UniSuper Limited ABN 54 006 027 121 is the trustee of UniSuper.

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