Super is a long-term investment and one of the keys to a comfortable retirement lifestyle.

When you invest in the Flexible Rollover Product you have the choice to invest in one of the eight pre-mixed investment options. If you don't nominate an option your super is automatically invested in the Balanced option.

If you decide to switch your investment option you just need to keep in mind that you can't switch within 14 business days of opening your account or investing additional funds in excess of $5,000 (by rollover, contribution or other method)..

Before choosing an investment option you should think about:

  • your current financial position
  • your age
  • when you plan to retire
  • how long your super will need to last
  • your risk and return preferences.

Each option has different objectives and characteristics for you to consider.

Investment option Target rate of return1 Investment Horizon Risk of negative return
High Growth CPI + 4.5% 10 yrs + On average 4 to 6 years in 20
Socially Responsible The Socially Responsible option provides investors with risk and return characteristics likely to be similar to that of a growth fund. The risk of negative return is on average 4 to 6 years in 20.
Growth CPI + 4.0% 8 yrs + On average 3 to 4 years in 20
Balanced CPI + 3.5% 7 yrs + On average 3 to 4 years in 20
Moderate CPI + 3.0% 6 yrs + On average 2 to 3 years in 20
Conservative CPI + 2.0% 4 yrs + On average 1 to 2 years in 20
Capital Defensive CPI + 1.5% 2 yrs + On average between 0.5 and one year in 20
Cash Maintain value of capital 0 yrs + On average less than 0.5 years in 20

Generally speaking, as the risk of negative return rises, so does the potential for a higher return.

As well as understanding the general risks of investing it's important to consider the level of risk involved with each investment option.

Take an interest in how your super is invested.

Find out more about each investment option and use the My Future ‘What Type of Investor Am I?’ calculator along with a qualified financial adviser to help you assess your situation and understand your options.

Check out your investment option’s track record with rates of return.

Keep tabs on how your super is growing with the latest unit prices.

Analysing the market as a whole and knowing how different financial markets are performing can help with your decision. Find out more in the Investments section.


1 Investment objectives state what each option aims to achieve. They are designed to help members with their investment decisions. The objectives have been determined having regard for the long term performance and characteristics of financial markets and taking into account expert advice provided by Willis Towers Watson. There is no guarantee, however, that the objectives will be met. This is because financial markets are volatile and future returns may vary from past returns. Indeed, for funds with exposure to growth assets there is a material likelihood that returns may be negative in any particular year.