The decision about where to invest your super is an important one and one that could effect the end result when it's time to retire. To help you make your choice easier, here are some things that we think are important to consider.

A few things to remember

• Your investment timeframe. This is how long you intend to keep your money invested in super, for instance if your 30 and plan to retire when your 60 then your investment time frame is 30 years.
• How much you need to save to retire comfortably. This amount will vary depending on the type of lifestyle you'd like to have in retirement.
• How much risk you prefer to take. Risk is generally related to returns you earn on your super and history tells us that investments like shares are more volatile in the shorter term but produce higher returns in the long term. Whereas investing in bonds and cash are generally less volatile in their performance in the short term but also tend to produce lower long term returns. When choosing an investment option, consider adopting a level of investment risk that is consistent with your investment timeframe. A simple way to possibly reduce risk is by spreading your super across a number of different investment options. By doing this your overall performance is less dependent on the performance of any single investment option such as shares.

Once you have a clearer idea on these matters you can begin to look at choosing an investment option that best suits your needs.

Your investment options explained - click here to view our investment option comparison

Core Super: 8 investment options (3 pre-mixed and 5 individual asset class options), that can be mixed to suit your needs.

Executive Super, Select Super and Super Stream Pension: 10 investment options (5 pre-mixed and 5 individual asset class options), that can be mixed to suit your needs

Switching to a new investment option

We understand that your needs may change throughout your life, and so might where you want your super invested. Members may switch between any investment option on a weekly basis at no cost. Make your switch online via MemberAccess or complete a Change of Investment Choice Form. If you're not yet registered for MemberAccess, just call us on 132 467 - we're here to help.

Need further assistance when choosing an option to suit you?

We are available to answer most of your questions in relation to our investment choice options. Whether it's further explanation of the options available or information about switching, we can assist. If you need more detailed advice on choosing the appropriate investment choice we can also help out there by connecting you with Money Solutions, an independent financial planning agency who can provide personal financial product advice.

Keep on top of your super - register to go online

Click here to register for Intrust Super's MemberAccess and you can update your details, check your account balance, insurance cover and investment option(s) … in your own time, at your own convenience.