Making an Investment Choice
There are six different investment options. You can choose to invest in one or spread your money across multiple options, say, 50% Australian Shares, 25% Growth and 25% Conservative.
This is a very low risk option and is suitable if you have a very short timeframe until retirement, say, 3 years, and you mainly want to conserve the capital value of your super account balance.
This option is good if you are a low risk investor wanting to avoid volatility and have at least three years to invest.
This option invests in a mix of asset classes (shares, property, fixed interest) and seeks to provide a steady rate of return with a moderate level of volatility; generally suitable if you have an investment timeframe of five years or more.
Suitable if you have longer term investment time horizon, say, 7 years or longer, and willing to accept the volatility associated with a portfolio invested in mainly growth assets such as shares and property.
An option invested mainly in shares – Australian and International – and may be suitable if you have a high tolerance towards risk and an investment timeframe of ten years or more.
This option invests solely in Australian shares, and may suit you if you have a timeframe of ten years or more. It’s likely to be more volatile than the Growth option.
What if I don’t make an investment choice?
If you fail to choose an investment option and you joined Club Plus Super before 1 January 2008, your super money will be invested in the Balanced option.
If you join after 1 January 2008 and don’t make a choice, we will invest your money according to your age.
Seek Advice if Unsure
Choosing the right investment option is important but there’s a lot to weigh up: investment strategies, timeframe, asset-mix, risk-return and volatility, to name a few.
Club Plus Financial Planning can help. We provide professional high value, low cost advice to help you choose an investment strategy to match your risk-return profile and needs.
