Choosing how your super is invested means you are responsible for making well-informed decisions for your personal objectives, financial situation and needs.
Please read your PSSap Product Disclosure Statement.
You should also consider professional advice.
Once you make your choice, please pay close attention to it, especially if you have chosen to create your own portfolio using individual asset class options.
On this page find out about:
- your investment choice
- 11 investment options – pre-mixed and individual asset class
- which option is right for you.
Your investment choice
Your PSSap scheme offers 11 investment options to choose from. You can select from two categories of options – pre-mixed and individual asset class.
You can mix and match your options in various ways. For instance, you can:
- invest in one or more of the four pre-mixed options
- create your own portfolio from seven individual asset class options, or
- combine the two categories in any way you wish.
You can also invest contributions made to your account in the past in one or more of the 11 options and invest future contributions in a different option or mix of options.
If you have not made a choice in the past, you will be in Trustee Choice.
Rebalance your options
Market movements will take your individual asset class proportions away from the point when you started. If your proportions change, your fees and risk level may also change; you must then decide if you want to rebalance your portfolio of options.
PSSap rebalances individual asset class allocations in the pre-mixed options.
Choice of 11 investment options
Pre-mixed options
You can choose one or more of:
Individual asset class options
You can choose one or more of:
International Shares (unhedged)
Find out about environmental, social and governance practices.
Which option is right for me?
You may like to consider these questions for your situation:
- What is my likely investment timeframe? In other words, how long until you retire and begin to access your final PSSap benefit? Is it a short or long time?
- What level of investment earnings do I seek? The higher the potential earnings you may receive, the greater the potential investment volatility – which means the greater the likelihood that your earnings will be negative from time to time.
- What level of investment risk can I tolerate? The key point to remember is that different investment options provide different levels of risk; you must decide which option and level of risk you are most comfortable with.