Investment planning

Super is one of the biggest investments most Australians will ever have, so it pays to understand where your money goes and how it can grow. Industry SuperFunds spread your super across different asset classes like Australian and international shares, infrastructure, property, cash and bonds to help manage risk and aim for steady long-term returns. This can include investments in major infrastructure assets, as well as considering environmental, social and governance factors that may affect long-term investment performance.

By default, your fund’s investment experts spread your super across a diversified mix of assets. You can adjust your investment option if your goals or risk comfort change, without needing to pick individual shares or take an active trading role.

Choosing an investment option and taking control

Taking control of how your super is invested begins with having a clear investment strategy. Most Industry SuperFunds will offer:

• Pre‑mixed options such as balanced, growth, high growth, conservative or defensive
• Sustainable or ethical options that focus on ESG considerations
• Options that allow you to tilt towards specific asset classes, like Australian shares, international shares or cash and bonds

Your fund’s website will usually show how each option invests your money - often with a pie chart or breakdown of the asset allocation. For example, a conservative option might hold more cash and bonds whereas a growth or high‑growth option might hold more Australian and international shares.

All sound investment strategies include some level of diversification, spreading your money across different sectors and asset classes so that if one area underperforms, your entire portfolio is less likely to suffer.

You can usually change your investment option at any time, although switching too often can work against a long‑term strategy. It’s important to choose an option that lines up with your timeframe to retirement, your risk comfort level and your personal financial goals.

Not Sure Where to Start?

All Industry SuperFunds offer access to financial advice ranging from free general guidance to personalised advice from a qualified financial adviser. Seek advice before making significant changes to your investment strategy.

The information on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on that information, you should consider its appropriateness having regard to your objectives, financial situation and needs. You are responsible for your own investment decisions and should obtain individual tailored financial advice whenever necessary.