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.

An AustSafe Super Financial Planner1 can provide assistance on a range of financial matters to suit your individual situation and goals. Call 1300 131 293 to find out more about our low cost, tailored financial advice solutions. 

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.


1Austsafe Pty Ltd ABN 96 010 528 597 AFSL 314183 RSE License L0002035 has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195 AFSL No 232514 to facilitate the provision of financial advice to members of Austsafe Pty Ltd. Advice is provided by one of our financial planners who are Representatives of IFS. Fees may apply. Further information about cost of advice is set out in the relevant Financial Services Guide, a copy of which is available at or by calling 1300 131 293. IFS is responsible for any advice given to you by its Representatives. Any reference made to an AustSafe Super Financial Planner refers to the IFS service.