Your choice your responsibility

The opportunity to choose how your super is invested carries with it a responsibility to make well-informed decisions appropriate to your personal objectives, financial situation and needs.

Once you have made your choice, you also need to keep an eye on it, particularly if you have created your own portfolio using individual asset class options. Market movements will take your individual asset class proportions away from the point at which you started. If this happens, your fees and risk level may change and you will need to decide if you want to rebalance them. We rebalance the individual asset class allocations in the pre-mixed options.

Find out about how our investments work and what options you can choose from.

Risk and return

All investments involve risk. You may lose money no matter which investment you choose. Generally speaking, investments that offer a higher level of return will have higher ups and downs in the short term.

Risk can be managed and even minimised, but cannot be eliminated. No matter how skilled the investment manager, or how strong performance has been in the past, there is always a chance you could receive back less than you invested.

Risk can be managed by diversifying across the different asset classes and understanding the different investment risks.

Our environmental, social and governance practices

For information on ARIA's key relationships and investment governance, see our environmental, social and governance practices.