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Investment strategies

Education HUB article

15 minute read

How do I choose an investment strategy for my super?

All investment strategies have some level of risk with the potential to deliver poor or negative returns at times. Generally, the higher the risk you're prepared to accept, the higher the potential return in the long term.

When choosing an investment strategy for your super, there are two things to consider:

  • your age and how many years there are until you can access your super
  • how much income you may need when you retire and how much risk you are willing to take to achieve that income.

 

Choose your super fund
Choose your super fund

 

What’s the best investment strategy for my age?

A growth/high growth investment strategy is typically a more suitable option when you are younger. Mainly because you have time before you can access your super and can bounce back after a market downturn. This investment strategy does carries greater risk and you will likely see your super balance drop sometimes. However, it generally delivers a better income in retirement.

If you want to maximise the potential earnings for your super, and you have time on your side, look at how your super is currently invested. You may want to consider changing your investment strategy to a growth/high growth style.

On the other hand, if you are nearing retirement, a more defensive/conservative investment style may be more suitable. This strategy helps avoid your super balance dropping as you get ready for retirement and need to access your super.

Some people fall somewhere in the middle – they are happy to take on some risk but are happy to accept lower returns over time and minimise negative returns. For these people, a balanced/moderate investment style may be a good option.

How do I know how my super is invested? Check your latest super statement.

Not sure what type of investor you are?

Answer a few questions to find out. 

A Wealth specialist can help guide you. Make an enquiry today. 

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Sandhurst Trustees Limited ABN 16 004 030 737 AFSL 237906 (Sandhurst) is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879. Each of these companies receive remuneration on the issue of the product or service they provide. Sandhurst is the responsible entity and issuer of the managed funds available on this website, and is also the trustee and issuer of the Bendigo superannuation products. Investments in these products are not deposits with, guaranteed by, or liabilities of Bendigo and Adelaide Bank and are subject to normal investment risk, including possible delays in repayment and loss of income and capital invested. Before making an investment decision in relation to one of these products you should consider your situation and read the relevant Product Disclosure Statement available on this site.

Sandhurst is the issuer of the commercial lending products and the provider of any traditional trustee services available on this website. The Bendigo Funeral Bond (“the Bond”) is an investment product issued by Australian Friendly Society Limited (“the Society”), ABN 29 087 648 851 AFSL 247028, with benefits provided by the Society’s Funeral Benefit Fund established under Schedule 1, Rule E of its constitution and administered by Sandhurst. The Travel Protection Plan is issued by AIA Australia Limited ABN 79 004 837 861 AFSL 230043. The Society is associated with the Bank and its related entities. Neither the Bank nor any of its related entities guarantee the repayment of capital invested or the investment performance of the Bond. Information is correct at the date of this document and is subject to change.

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