To manage your super investments, you’ll need an understanding of your personal circumstances, tolerance to risk, and investment timeframe. For most, super is a long-term investment, and it's worth considering which investment options will best suit your goals and preferences.

Things to consider

We offer a range of investment options so you can choose the investment mix that best suits your needs and goals. You can change your investment options at any time, without cost.

When choosing how to invest your super, it's important to consider several things:

  • What other investments do you have outside of super? This can impact how much you should save in super, the investment types you might include in super, and how you'll structure your finances in your retirement.
  • What are your timeframes? How old are you now and what is your life expectancy? These factors, including how long your retirement might be, will be an important influence on your investment choices.
  • What do you want from your super? Generally, the objective of super is to provide for your retirement. How much are you likely to need to achieve the retirement you want? And what investment decisions will help you achieve that?
  • How much control do you want? Some people have the time and interest for investing, and others don't. Ultimately, you choose how involved you want to be in managing your super. We have solutions for varying levels of involvement, and you can always change your approach along the way too. 

Understanding your options

The level of choice and control you have over your super investments is up to you. You can use investment options from the categories below either individually or as part of a mix. You can read more detail on individual investment options, their objectives and past performance by visiting our Investment options page.

Default option

Pre-mixed options

Sector-specific options

NGS Self-Managed Direct Investment Option

Investment options

1 On 31 May 2022, the default option for our NGS Income account — Moderate Growth — was terminated. See our Significant Event Notice dated 1 April 2022 for more details, including how you’re impacted if you were invested in this option before it terminated.

Choosing your options

Before choosing your investment options, there are some things you should think about:

  • Your risk tolerance — how comfortable are you with the trade-off between risk and return?
  • Diversify to reduce volatility — this means having different investments in different asset classes, as well as within each asset class (e.g. different shares). The idea is that if one or more investments are performing poorly, the others may be doing better.
  • Don’t base your investments on short-term returns — they’re not a good indicator of future long-term returns. Consider performance over a number of years instead, and remember that past results are only ever a guide.
  • Don’t try to ‘time’ the market — no one can predict when markets will rise or fall. Super is a long-term investment, designed to ride out market cycles. Generally speaking, once you’ve chosen your investment options, you should only be looking to make significant changes when there are fundamental changes in either the markets or your personal circumstances.

Changing your options

You can make or change your investment choice at any time, at no cost:

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Investment options

We have a range of investment options — both pre-mixed and sector-specific — to suit various investment goals, timeframes and risk tolerances.

Fund sustainability

We believe that integrating environmental, social and governance (ESG) and responsible investment principles is vital to managing risk within our investment portfolio and providing our members with better risk-adjusted returns.

Investment performance

Our performance summaries show the net return after investment fees, tax and administration fees. You can access our latest performance summaries here. Find out more

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