Some important considerations
The investment options you choose for your super and retirement savings can make a significant difference to the type of lifestyle you get to enjoy in retirement. And everyone’s needs are a little different. The investments that are right for you, therefore, will depend on your financial needs and circumstances, and your retirement goals.
There’s a range of factors to consider when thinking about the investments that might suit you best. For example:
- How long will your money be invested?
- What sort of lifestyle do you want to lead in retirement, and how much super will you need to achieve that?
- Are you going to make a gradual transition to retirement, or retire fully from the workforce?
- How long are you planning for your retirement savings to last?
- How comfortable do you feel with investment risk?
- As an investor, do you prefer to choose your own mix of investments, or would you rather leave it to the investment experts to select a balanced portfolio of investments on your behalf?
- What other investments do you have – and how will they work together to help you achieve your retirement goals?
What if you don’t want to make a choice?
You don’t have to make an investment choice for your Equip Super account. If you don’t make an investment choice, we’ll automatically invest your account balance as follows:
- in the MySuper investment option if you’re a MyFuture member*
- in the Capital Stable investment option if you’re a Transition to Retirement Income account member
- in the Equip Super MyPension strategy if you’re a Retirement Income account member.
These are ready-made portfolios of investments, selected by the experts, and managed by the experts on your behalf. While MySuper and Capital Stable are both stand-alone investment options, MyPension invests across the Cash, Capital Stable and Growth investment options.
* If you’re transferring out of your Defined Benefit Plan, a number of factors determine your default options. Contact us on to learn more about your options and how your funds will be invested.
Can you change your mind?
You can change the way your super is invested at any time by making an investment switch. There’s no fee for switching. You can switch some or all of your existing account balance, or you can just elect to change any future contributions.
A range of investments to suit your needs
We offer a wide range of investment options, so you get to choose which ones work best for your needs.
Making your investment choice
Your investment choices can have a significant impact on your super balance and how much you’ll have for retirement.
Making your investment choice
Your investment choices can have a significant impact on your super balance and how much you’ll have for retirement.
Investing for your life stage
We can help you decide
Getting a little support and guidance from the experts can make a big difference when it comes to choosing the right investments for your super and retirement savings. And our team is here to help.
We acknowledge all First Peoples of the beautiful lands on which we live and work, and their enduring knowledge and connections to Country. We honour the wisdom of and pay respect to Elders past and present.