Your investment options
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).
Note: The Conservative and Moderate investment options are new, and were launched on 27 September 2021. The High Growth investment option was previously called Equity Plus, and was renamed on 27 September 2021 - no other changes were made to this investment option.
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.
* Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a fund.
** All references to the Balanced (MySuper) option includes the Balanced option for TransPension members. The underlying investment option is the same, however, the name is different to comply with Government requirements.
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
** We do not use the return target (shown in the product dashboard) to set the investment return objective.