Investment choice

We all have different attitudes and tolerance to risk and money. Investing is all about balancing the risk with the return you are targeting. And depending on your life stage, those decisions change as will the market conditions.

We offer a range of investment options, so there's bound to be an option to suit your needs, no matter what stage of life you are at.

Making your investment choice

When choosing an investment option, ask yourself:

  • When do I plan to retire?
  • How much money will I need?
  • What are my investment goals?
  • What is my comfort level when it comes to risk vs returns?
  • What is my current financial position?
  • How much do I plan to contribute to my super?

All these options have different objectives and strategies as well as changing risk levels and returns. Learn more about the standard risk measures that are used to describe the risk that applies to each of our investment options.

Review your investment options

It's important to choose the right investment strategy to suit your needs and whether you're new to the workforce, changing jobs, nearing or currently in retirement - making small, informed decisions along the way can make a big difference to the end result. You can seek financial advice to help review your investment options and it doesn't need to cost you a lot of time or money.

For $1101, an AustSafe Super Financial Planner can help you determine the most appropriate investment strategy for your life stage2. You have the option of deducting this amount from your AustSafe Super account.

To make an appointment with an AustSafe Super Financial Planner, just call 1300 551 352.

1This amount is inclusive of GST.
2The cost for any personal advice beyond investment choice is charged on fee for service basis and a quote will be provided for your approval to proceed.

Making a change

You can change how your super is invested at any time, as often as weekly and at no cost. Simply:

Login to your account via MemberOnline, or


Complete the Investment Choice Form

For more information about investing in super and our options, read the Investment Choice Guide.

When will my change take effect?

We declare weekly earning rates for our investment options and process investment choice changes once a week. If we receive your form or you make the change online before close of business any Wednesday, your switch will be processed on the Thursday of the following week. This day is called the ‘process date’. The switch will have an effective date of the previous Thursday. To determine the dollar value of your benefit being transferred we use the weekly earning rate that relates to the Friday prior to the ‘process date’.

For more information on changing options, read our Investment Choice Guide.

What if you don’t make a choice?

If you don’t make a choice when you join AustSafe Super, you’ll automatically be invested in the MySuper (Balanced) Investment Option. This is the default option for Industry Super and Personal Super members. Pension members need to choose an investment option when they join as there is no default option.

For more information about investment choice, read the Investment Choice Guide.