What are investment options?
Most superannuation funds allow you to choose how your superannuation is invested by giving you investment options. Each investment option has its own investment objective and strategy to achieve this objective. Different investment options may invest in different types of assets, such as cash, fixed interest, property or shares, or a combination of these. Many superannuation funds will invest in these assets through a managed fund rather than investing directly in the assets themselves.
Investing and risk
History shows that all investment options have different returns and levels of risk to suit a variety of investors and economic climates. Risk is mainly related to the returns you earn on your superannuation. The value of investment options [including MySuper] will rise and fall over time. Investment performance is not guaranteed, and you might lose money. Future returns may differ from past returns. The options with the higher expected long-term returns generally involve higher levels of risk and therefore a higher chance of short-term negative returns. In addition, in a low-interest-rate environment, investments which are traditionally perceived as low risk, (particularly investments in cash and associated investment options) may attract very low or even negative returns for a period of time. There is a risk that investments in these options may result in your fees and any other deductions from your superannuation account exceeding any gains made through the investment for a limited period.
How do I choose my investment option(s)?
The right investment choice for you will depend on three things:
- Your investment timeframe.
- How much you need to save to retire comfortably.
- How much risk you prefer to take.
To make this easier, we’ve developed Super Blueprint, our free online super advice tool which removes the guesswork and helps you choose the investment option(s) best suited to you. All you need to do is answer a few quick questions and Super Blueprint will combine your answers with your current account details to produce a free Statement of Advice.
To get started with Super Blueprint, simply log in or register for MemberAccess now.
It’s your money, have a say where it goes!
The amount of money you’ll have for your retirement depends not only on how much you and your employer put into your superannuation, but also how it’s invested.
Intrust Super offers a range of investment options to suit your needs, whatever stage of life you’re at. You can choose one or a mix of options now, and then change these options whenever you like for free as your needs change. Or, you can leave it up to us and we’ll invest your money into our default Balanced option.
What are my investment options?
Intrust Super offers a range of investment options for you to choose from:
Core Super: Choice of eight (three multi and five asset-specific) investment options. Download the document ‘Core Super Other Important Information – Investments’ for more information about Core Super’s investment options.
Executive Super, Select Super and Super Stream: Choice of 10 (five multi and five asset-specific) investment options.
Refer to the relevant Product Disclosure Statement for more information about the investment options available for each product.
How has my investment option(s) performed?
To see how your investment option(s) have performed, click on the appropriate link below.
- Core Super | MySuper, Executive Super and Select Super Investment Returns
- Super Stream Investment Returns
If you would like to keep track of how your superannuation is performing 24/7, simply log in or register for MemberAccess.
How do I change my investments?
If you’re an Intrust Super member, you can change (‘switch’) your investment option(s) at any time for free. (maximum of one switch per business day). The most recent switch request received at 4:00pm (Sydney time) on business days will be processed. Simply log in or register for MemberAccess, or download and complete an Investment Choice Form from our Forms and Documents page.
Any investment switch that is received by Intrust Super before 4:00pm (Sydney time) on a business day will receive the unit price that will be determined based on market movements for that day. The price will be calculated on the following business day and will show in MemberAccess on the following business day. Requests received on or after 4pm (Sydney time) will take an extra business day to process.
How to switch your investment option(s) online
- Log in or register for MemberAccess.
- Click ‘Investment Enquiry’ under the ‘Investments’ tab.
- Click ‘Change Investments’ at the bottom of the page.
- Enter your new investment choice(s) and click ‘Continue’.
- Double check your new investment choice(s) and click ‘Confirm’.
If you need any assistance, please call us on 132 467. We're at your service.
The Government has proposed that superannuation funds present their investment options in Dashboard form to make them comparable to other investment options. The product dashboard can be found here.