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Understanding investment strategies

Understanding the different ways super can be invested can help you make the most of your long-term investment

Superannuation products are issued by our wholly owned subsidiary Sandhurst Trustees Limited.

When choosing an investment strategy, consider the following:

  • your age
  • how comfortable you are with investment risk
  • how long before you can access your funds
  • your retirement goals

If you won't be accessing your super in the short term, you may want to consider a more aggressive strategy with time to ride out any market fluctuations.

A lower risk, lower return strategy could suit those who prefer greater security and less risk. This strategy may suit if you're retiring and intend to withdraw your super in less than 5 years.

 

What is your risk tolerance?

How you invest your super balance comes down to how much risk you're willing to take. All investments 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.

 

Types of investment

Most super funds offer a range of investment types, from low to moderate to high risk. Depending on what stage of life you’re at, your risk tolerance may influence the type of investments you make.

A cash investment type (savings accounts, term deposits) has a low risk return level with possibly low returns.

A fixed interest investment type (bonds, debentures) also has a low risk return level where investments can be linked to inflation rate.

For property investment types (buildings, land, factories) there is a moderate to high risk return level.

Equity investment types (shares) generally have a high risk due to the numerous economic and global factors.

Contact us if you need help with your investments in super

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 is issued by Australian Friendly Society ABN 29 087 648 851 AFSL 247028, and administered by Sandhurst. The Bendigo Funeral Bond is a capital guaranteed by Australian Friendly Society.

The content on this website has been jointly prepared by Sandhurst and Bendigo and Adelaide Bank and contains general advice only. Advice in relation to superannuation and managed investment schemes is provided by Sandhurst and advice in relation to life risk insurance is provided by Bendigo and Adelaide Bank. It is provided as general information and must not be relied upon as a substitute for financial planning, legal, tax or other professional advice. The information is given in good faith and has been derived from sources believed to be accurate at its issue date. Neither Sandhurst nor the Bendigo and Adelaide Bank give any warranty for the reliability or accuracy or accept any responsibility arising in any way, including by reason of negligence for errors or omissions for the information contained on this website. The information contained on this website is subject to change without notice. Neither Sandhurst nor the Bendigo and Adelaide Bank has an obligation to update, modify or amend this website or notify you in the event that a matter of opinion or projection stated changes or subsequently becomes inaccurate.

Neither Sandhurst nor Bendigo and Adelaide Bank is responsible for the content of any other site accessed via this site. That information is the responsibility of the site owner. Links to other sites are provided for convenience only and do not represent any endorsement by Sandhurst or the Bendigo and Adelaide Bank of the products offered by the site owner.

Refer to the Bendigo and Adelaide Bank terms of use for information that governs this website.

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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