A. There’s no ‘one size fits all’ approach to investing your super. But there are a few things to think about that can help you work out what’s right for you.
Firstly, consider your approach to risk. Higher risk investment options tend to offer higher returns over the long term, while lower risk options offer lower returns. So, ask yourself what do you feel more comfortable with — having higher returns and greater risk, or having lower returns and less risk of negative returns?
Secondly, work out your investment timeframe. For most people, super is a long-term investment that might be invested for 10, 20 or even 30+ years. A general rule of thumb is that the longer you have to invest, the more risk you can assume. This is because market fluctuations will even out over long periods of time.
Even if you’re a cautious investor, it’s important not to play it too safe. If you have a long investment horizon and your money is earning less than the inflation rate, you will be losing money over time. Ideally, you want your investments to earn more than the inflation rate so you can maintain the purchasing power of your money in retirement.
MTAA Super’s investment options
You can invest in one or a mix of our eight MTAA Super investment options. Each has its own investment strategy and risk and return profile.
You can read more about our investment options, including their risk and return profiles and performance.
We can help you decide which option or combination of options will be best for your super.
To speak with someone from our Financial Education and Advice Team, call 1300 362 415 or send an emailand we’ll get in touch.