Changing your investments

An intelligent investment strategy for your super involves a mix of stable, low-risk and higher-risk, growth-focused options. This balance can maximise returns while managing risk, aligning with your long-term financial objectives and risk tolerance.

A woman sitting at a table with a book
Close up of pair of glasses and stack of document folder

Maximise investment potential with an informed switching strategy

The ability to switch investments isn't just a feature; it's a strategic tool. As life changes, this adaptability allows you to respond effectively to shifts in circumstances or investment horizons. It's essential, though, to switch thoughtfully. Any investment change should be strategically sound and well-diversified to mitigate performance risks. While considering changes to your balance, future super contributions, or rollovers, be aware of the associated risks and implications. Different membership types have unique guidelines, so it's vital to understand these rules to make a well-informed decision before switching.  

Young woman in front of computer monitor concentrating on a task

Your investor profile can affect investments

Need help selecting the right investment option? Consider your risk appetite, investment timeframe, and desired control level. To understand how different mixes affect your retirement income, use the retirement planner.
Use the Moneysmart retirement planner
Smiling businessman sitting in office lobby working on a laptop

Case Study

Investment choices vary with age and retirement proximity. Younger members favour higher-risk, higher-return assets, while those in retirement prefer stable, lower-risk options. Understanding these dynamics helps in making suitable investment decisions. For instance, a younger member (say, age 30) may have up to another 30 years before they retire. This may mean they are more comfortable with riding out the more volatile returns of some assets (e.g.'  growth' assets such as shares or property) that historically have performed better over the longer term than other assets (e.g. 'defensive' assets such as cash and fixed interest). If you are receiving a pension in retirement, you may prefer the lower volatility return of 'defensive' assets such as cash and fixed assets and wish to limit or avoid exposure to 'growth' assets such as shares and property.  

Young woman studying in front of a laptop and sitting in an open plan work area or cafe.

Switch investments easily

Take control of your super investments anytime, anywhere. Use MemberAccess for a seamless, efficient investment management experience.  


Need more help? Contact our Client Services team

As a member, you can get personalised support from our Client Services team at no cost or obligation to assist with your retirement goals.
Book a meeting