How investments work in super

Did you know…

The money that goes into your super account isn’t just sitting there. To help it grow for your retirement we invest it for you.

As a TWUSUPER member, you’re automatically invested in the Balanced (MySuper) investment option unless you choose from one of the other pre-mixed options weighted to different asset classes. The aim is to give you as much choice as possible, but without you needing to constantly check and update your choice. You can also mix and match investment options to suit your needs and priorities as they change over time.

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Keeping track of your investments

You can review and update your investment option by logging in to Member Online.

We update returns generally every Wednesday and you can check this website to see the latest returns. Our 10-year returns are available for the Balanced (MySuper), Cash Plus and High Growth options*.

10 year returns for year ending 30 June 2023*

  • High Growth: 8.98% pa
  • Balanced (MySuper): 7.28% pa
  • Cash Plus: 1.50% pa

* Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a fund. The Moderate and Conservative options started on 27 September 2021 so long-term data isn’t available. 

The 5 investment options at a glance

  • 1. High Growth

    Investment return objective: Annual return 4% higher than the Consumer Price Index over rolling 10 year periods.

    Minimum suggested investment timeframe: 7 years or more

    Expected frequency of negative annual return: High - the expected frequency of negative annual returns over any 20 year period is 4 to less than 6 years.

    May suit: Members who want to invest for more than 7 years and accept a high level of risk and fluctuations in returns.

    Full details

  • 2. Balanced (MySuper)

    Investment return objective: Annual return 3% higher than the Consumer Price Index over rolling 10 year periods.

    Minimum suggested investment timeframe: 5 years or more

    Expected frequency of negative annual return: Medium to high - the expected frequency of negative annual returns over any 20 year period is 3 to less than 4 years.

    May suit: Members who want to invest for over 5 years or more and accept a medium to high level of risk and fluctuations in returns.

    Full details

  • 3. Moderate

    Investment return objective: Annual return 2.25% higher than the Consumer Price Index over rolling 7 year periods.

    Minimum suggested investment timeframe: 5 years or more

    Expected frequency of negative annual return: Medium to high - the expected frequency of negative annual returns over any 20 year period is 3 to less than 4 years.

    May suit: Members who want to invest for over 5 years or more and accept a medium to high level of risk and fluctuations in returns.

  • 4. Conservative

    Investment return objective: Annual return 1.5% higher than the Consumer Price Index over rolling 5 year periods.

    Minimum suggested investment timeframe: 3 years or more

    Expected frequency of negative annual return: Low to medium - the expected frequency of negative annual returns over any 20 year period is 1 to less than 2 years.

    May suit: Members who want to invest for over 3 years or more and accept a low to medium level of risk and fluctuations in returns.

    Full details

  • 5. Cash Plus

    Investment return objective: Annual rate of return (before tax) greater than the Bloomberg AusBond Bank Bill Index.

    Minimum suggested investment timeframe: No minimum

    Expected frequency of negative annual return: Very low – the expected frequency of negative annual returns over any 20 year period is less than ½ a year.

    May suit: Members who have a short investment timeframe or want a very low level of risk and fluctuations in returns.

    Full details

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Helping you achieve your retirement goals

Click on the options below to find out the investment return objective; minimum suggested investment timeframe; strategy; investment risk and who each investment option may suit.

** The cost of providing certain limited phone-based financial advice services is incorporated into the fees that are applicable to all super accounts. Fees for comprehensive financial advice provided to you either over the phone or face-to-face are charged to you directly and will be set out in your Statement of Advice. The Trustee has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL No 232514 to facilitate the provision of financial advice to members of TWUSUPER (Fund). Advice is provided by TWUSUPER financial advisers who are Authorised Representatives of IFS. Fees may apply. Further information about the cost of advice is set out in IFS' Financial Services Guide, a copy of which can be obtained by calling 1800 222 071. IFS is responsible for any advice given to you by its Authorised Representatives.