As a TWUSUPER member, you can invest in one or a mix of five investment options:

If you don’t make an investment choice when you join TWUSUPER, you’ll be automatically invested in Balanced (MySuper).

You can check your current investment option by logging in to Member Online.

Need help choosing the right option for you?

We offer a range of investment options to suit the needs of different people. To find out more about our investment options, call us on 1800 222 071 between 8am and 8pm (AEST/AEDT) weekdays.

Think before you switch

While switching investment options in volatile markets might give you some comfort now, over the long term it may reduce the earning potential of your super, and that could mean less money in retirement. 

For most people, super is a long-term investment. That means you shouldn't let short-term performance influence your long-term investment strategy. 

You should only consider switching investment options if it is in line with your long-term investment strategy.

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

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

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

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

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