Choosing the right investment

Everyone’s different, that’s why you’ve got options for reaching your retirement goals. Which investment options suit you?

If you are in the Accumulation Plan , Beneficiary Account or have a Working Income Stream or Retirement Income Stream (including spouse accounts), you have eight investment options to choose from, each with a different level of risk and potential return.

You can choose!

Because everyone’s circumstances are different you can choose to invest in just one option or as many as you like.

Investment options, risks and potential returns
Option	Indicative risk & return	Invests in
Shares Only	High Risk	100% Growth assets
High Growth	High Risk	95% Growth assets 5% Defensive assets.
Growth	Medium to High Risk	80% growth and alternative assets and 20% defensive assets.
Balanced	Medium Risk	60% growth and alternative assets and 40% defensive assets.
Conservative	Medium to Low Risk.	65% defensive assets and 35% growth and alternative assets.
Defensive	Medium to Low Risk	85% defensive assets and 15% growth and alternative assets.
Term Deposits	Low Risk	100% defensive assets.
Cash	Low Risk	100% defensive assets (cash investments).

Find out more...

To find out more about these options read the investment section in the Product Disclosure Statement, or Investment Options brochure.

If you’re not sure which investment option or combination of options meets your needs and would like more information, talk to an ESSSuper Member Education Consultant or get personal advice from a financial planner.