Education HUB

A defensive/conservative investment style aims to achieve capital security that provides regular income. To invest in this style, you have a low tolerance for losses and risks and are investing for the short-term. Generally, you prefer to have your money invested in assets with less volatility.

A balanced/moderate investment style aims to achieve capital growth but with less volatility. To invest in this style, you are willing to accept some risk in return for potential higher returns over the medium to longer term.

A growth/high growth investment style looks to achieve capital growth over the long-term. This type of portfolio would usually see 80%+ in growth assets. 

Investing can help you reach your financial goals sooner but can be overwhelming sometimes. We’re here to help simplify the process and help you get started.

Not sure how a unit price works or what an Indirect Cost Ratio is? If you are starting out we know that you may have a number of questions about terms and how things work. We've brought these together into a simple and easy to read article so you can better understand your options.

You may have an idea of what you want to do once you retire from the workforce. Have you thought about how much income you will need to fund this?

A managed fund is a professionally managed investment portfolio that pools your money together with the money of multiple investors. An Investment Manager then buys and sells shares or other assets (property, cash, bonds etc) on your behalf.

When you start looking into investing, you will see a lot of different terms being used. You may commonly see the term ‘asset classes’ which can be further broken down into income assets and growth assets.

An investment strategy is what guides your investment decisions. It is based on your future income or capital needs, how long you want to invest for, and how much risk you can live with.

All investments carry risk – even investing in cash. Market conditions, inflation, changes to interest rates and economic downturns can all have an impact on your investment.

It may seem like forever before you can get your hands on your super. That doesn’t mean you should ignore it. We cover some things that you can do to help grow your super.

Join the 10 million Australians currently saving for their future by not paying multiple fees on more than one super account.

It can be scary when you hear the markets have decreased, especially with significant events such as the Global Financial Crisis (GFC) and covid-19, however, a downturn is not necessarily a bad thing.

SmartStart Super is rated one of the cheapest public offer super funds in Australia^1.

You could boost your super by adding your own contribution amounts in addition to what your employer pays.