Investments
Changing investment strategies:
making the right choice
You can choose how your super is invested by selecting from one of the 11 investment options below, or you can choose to mix and match these. You can even invest your existing balance one way, and have all your future contributions invested another. The right investment strategy for you will depend upon your personal goals, financial situation and plans for the future.
| Pre-mixed options – we take care of the investment mix for you |
Individual asset classes – you choose the right mix |
|---|---|
| We invest these options across a range of different asset classes, such as Australian shares, fixed interest and property. Each option carries a different level of risk. | If you want to choose your own mix of investments then these single-sector options may suit you best. |
| Trustee Choice | Cash |
| Conservative | Government Bonds |
| Balanced | Australian Shares |
| Aggressive | International Shares (unhedged) |
| International Shares | |
| Property | |
| Sustainable |
Before you change...
See PSSap investment option performance where you’ll find information on the investment objectives, strategies, timeframes and risk levels for all of these investment options. In addition to reviewing this information, there are some other things financial advisers recommend you consider before changing your investment strategy.
- What is your investment timeframe? How long do you plan to invest your money before withdrawing it for retirement?
- What level of investment earnings are you hoping for? If you’re looking for a higher return, you’ll need to be willing to accept a greater degree of volatility.
- What level of risk are you willing to tolerate? Different investment options carry different levels of risk and you’ll need to decide what you’re comfortable with.
Higher risk investment options can potentially deliver a higher return for your investment over the long term, but you will need to be comfortable with higher levels of volatility and periods of negative returns. If you are this type of investor you will tend to have a long investment time horizon.
Moderate risk investment options can potentially deliver a higher return on your investment over the medium term, but you will need to be comfortable with moderate levels of volatility and some negative returns.
Low risk investment options may be suitable if you don’t like risk or are planning to access your super in the near future.
Before you make an investment choice you should get advice from a licensed financial adviser and read through the PSSap Product Disclosure Statement.
Making the switch
If you decide you’d like to change your investment strategy, you can log on to Your account, download an Investment choice form, or call 1300 725 171.
You can make two free investment choice switches in each financial year, while a fee of $20 will apply for each additional switch.
Once you’ve changed your investment strategy, you should keep a close eye on your investments to see if this is the right choice for you, particularly if you’ve created your own portfolio using individual asset class options.
