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.

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.

  Full details
• 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