As you invest, your mix of assets (often called ‘asset allocation’) is the most significant factor influencing the returns you achieve, including the ups and downs in value over time - so it’s important to get it right.
Each mysuper investment fund is designed with a different asset mix to provide a range of risk profiles and expected returns over time. Funds are typically invested in a combination of two key asset types:
- Growth assets (such as shares and equities), which generally aim for higher long-term returns but can experience more short-term volatility.
- Income assets (including cash, bonds, and fixed interest), which typically provide more stable, lower-risk returns.
This combination of growth and income assets - often referred to as the fund’s ‘mix’ determines its overall risk and return profile.
You’ll find additional information about each fund’s asset mix in the Investment section of our current Product Disclosure Statement.
Risk refers to the chance that the value of your investment may change over time, including the possibility that you could lose money or receive less than you expected.
Risk is an important consideration when investing, as it affects both the potential returns you may achieve and the frequency and extent of ups and downs in your investment’s value. Generally, investments with higher risk may offer the potential for higher long-term returns (although this is not guaranteed), but they tend to experience greater fluctuations. Lower-risk investments typically provide more stable returns but with less growth potential over time.
Each mysuper investment fund has a different level of risk, based on its asset mix and investment strategy. It’s important to consider whether the potential returns justify the level of risk, whether you are comfortable with market fluctuations, and whether the investment aligns with your financial goals and timeframe. The structure of an investment can also influence its level of risk, so understanding how it works is key.
You’ll find more information about general risks in the Risk section of our current Product Disclosure Statement.
The suggested investment timeframe reflects the minimum period typically associated with the fund type. It takes into account short-term market fluctuations and a fund's expected risk and return profile over time.
