It's always important to keep up to date with your investment options.

When you invest in the Super SA Income Stream, you have the opportunity to select two of eight pre-mixed investment options. If you don’t choose, your funds will automatically be invested in the Balanced option.

If you decide to switch your investments options you just need to keep in mind that you can't switch within 14 business days of opening your account.

If you choose to invest your account balance in two investment options you can select either a percentage or dollar value to be invested in each option.

Before choosing an investment option you should think about:

  • your current financial position
  • your age
  • your plans for the future
  • how long your Income Stream 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 yr + 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 developed having regard for the long term performance and characteristics of financial markets and taking into account expert advice provided by specialist investment advisor, 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.