Your super fund invests your money on your behalf — but you have a say in how. Understanding investment options is one of the most important decisions in your super journey, with significant long-term consequences for your retirement balance.
This cluster covers every aspect of super investment options: what they are, how they differ, how to choose the right one, and how to switch if your current option no longer fits your situation.
Investment Options Guides
Understanding Investment Options
- Super Fund Investment Options Explained — What investment options are, how asset allocation works, and what the standard options (conservative through high growth) mean in practice
- MySuper vs Choice Product — What Is the Difference? — The difference between your fund’s default MySuper product and opting into a choice investment option
- Cash Option in Super — When to Switch and When Not To — What the cash option is, when it makes sense near retirement, and the risks of switching during market downturns
Choosing and Switching
- How to Choose a Super Fund Australia — A 5-step guide covering fees, performance, insurance, investment options, and employer defaults
- How to Change Your Super Investment Option — Step-by-step: how to log into your fund portal, compare options, and submit a switch
- AustralianSuper Investment Options — Full Guide — AustralianSuper’s PreMixed and DIY options explained, with fees and historical returns
For advice tailored to your situation, speak with a licensed financial adviser. You can find one through the ASIC financial advisers register or MoneySmart.