Make an informed choice when investing
Selecting your super’s investment options may be your first experience in the world of investing. With UniSuper, you have the flexibility to select one or more options, choosing from seven pre-mixed options and nine sector-specific options, each with different strategies and risk profiles.
Understanding investment basics such as investment options, risk, returns, investment strategy, and investment time frame, can help you make informed decisions to build a greater retirement.
What’s an investment option?
Investment options are different ways you can choose to invest your super.
Here are some things to consider when choosing an investment option:
- How long you have until you begin drawing on your super. This is called your investment time frame and for most people it’s the time they retire or start transitioning to retirement
- How much risk you’re comfortable taking
- How hands-on you want to be with your super.
If you want to be less hands-on with investing your super, our pre-mixed options may be right for you. Our fund managers do the work and allocate investments in line with the strategy you choose.
Prefer to be more hands-on and build your own portfolio? Sector options may be a better fit. We offer a range of sector options which invest in a single asset class or theme. Sector options aren’t intended to be used in isolation, but are intended to be combined with other investment options to build a diversified portfolio.
Discover the risk profile, asset allocation, average performance, and suggested minimum investment time frames for each of our 16 investment options and learn about our sustainable and environmental branded investment options.2
What are the risks to investing?
Risk is part of investing. Key risks to consider when choosing an investment option are:
- the risk of your investment falling in value
- the risk of not having enough savings for your retirement.
Some investments (like shares) may fluctuate more in value over shorter periods than less risky investments like cash, but history shows that over the longer term they’re more likely to deliver greater returns.*
Your risk tolerance or how much risk you’re willing to take with your super may be affected by:
- your personal circumstances
- how close you are to retirement.
Super is a long-term investment and some people may decide they have the time to ride short-term falls in the market.
Read our article Riding the Volatility Wave for a closer look.
Compare the performances of our investment options over time.
What are investment returns?
Investment returns are what you could earn (or lose) on your investment. The amount is usually expressed as a percentage per year, for example 5% per annum.
What is an investment time frame?
Your investment time frame is the length of time you’re investing for.
When it comes to superannuation, this is generally the amount of time until you start drawing on your super. For most people, this will be when they start transitioning to retirement or when they retire.
Setting your strategy
When setting your strategy, consider how comfortable you are with risk and how long you will be investing for.
As we’ve already covered, investment options with a higher exposure to assets like shares may fluctuate more in value and can generate negative returns (lose money) over shorter periods. However, we expect them to deliver higher returns over the longer term compared to lower risk options.*
As everyone’s circumstances are different, it's important that you make the right choice for you. This may be a good time to talk to a UniSuper consultant and find out more about the different types of advice we offer.
Consider reviewing your strategy from time to time or if your circumstances change.
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Frequently asked questions
View the FAQs below, see the investments glossary or book an appointment to talk to a one of our friendly super consultants to get help with your super.
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Learn more about investments
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Things you need to know
1 The information on this webpage is of a general nature and doesn't take into account your personal circumstances. We recommend you seek financial advice before making any decisions about your super and consider the Product Disclosure Statement (PDS) and Target Market Determination (TMD) on our website.
2 Sustainable and environmental investing means different things to different people. Different products have different investment criteria. Read our sustainable and environmental branded options page and How we invest your money document (PDF, 1.27 MB) to find out what sustainable and environmental investing means to us and what our investment options invest in.