PSSap investment choice

Which options can I choose?

Your PSSap scheme offers 11 investment options to choose from. You can select pre-mixed and individual asset class options.

What does risk and return mean for my choice?

Investment risk and return are related; generally the higher your expected return, the higher your risk. Or, the greater the likelihood you will experience negative returns from time to time.

Ultimately, your choice should reflect your risk tolerance and investment timeframe. Each option has a risk and return profile; if you want a higher return over the long term, you generally need to accept more short-term volatility. If you are risk adverse, you may prefer a more conservative option.

Keep in mind that long-term investors have more time to ride out periods of poor performance.

How do I know which option is best for me?

You may like to consider these three questions:

  • What is my likely investment timeframe? In other words, how long until you retire and begin to access your benefits? That might be a short timeframe for some but much longer for others.
  • What level of investment earnings do I seek? As explained above, the higher your potential earnings, the greater your potential investment volatility and risk. That 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 can provide different levels of risk; and you must decide which option and level of risk you are most comfortable with. If you lie awake at night worrying about investment performance, you may prefer lower risk options. If you have more time to ride out periods of volatility, you may prefer balanced or higher risk options.

Need more information?

Please read our Market volatility and your super booklet. It explains five steps you can take when considering your investment option selection during periods of uncertainty.

It's a good idea to seek professional advice from a licensed financial planner. You should also read the PSSap Product Disclosure Statement.

How do I switch investment options?

Make your choice online at Your account or send us your completed Investment choice form.