You can choose the level of choice and control you’d like for your NGS account, whether you invest in:
- a single option
- a combination of options
- our NGS Self-Managed Direct Investment Option (DIO).
We have a range of investment options — both pre-mixed and sector-specific — to suit various investment goals, timeframes and risk tolerances.
Default investment option
If you don’t make an investment choice for your NGS Accumulation or NGS Transition to retirement account, your money will automatically be invested in our Diversified (MySuper) option.
There is no default investment option for our NGS Income account.1 When you apply to open an Income account, you will need to actively select your investment option(s).
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.
Pre-mixed options
Our pre-mixed options include a range of investment types (or 'asset classes') with varying risk levels. For example, a pre-mixed option may include investment types like Australian shares, Property and Government bonds.
The weightings for each investment type within our pre-mixed options vary, depending on the option’s specific objectives. We manage the mix of these investment types, while our fund managers manage the actual investments within them.
Our pre-mixed options
Sector-specific options
Unlike the pre-mixed options, a sector-specific option is mainly made up of one investment type, rather than a mix of several. For example, our Property options will expose you to Property investments, as its name suggests.* Our expert fund managers handle these options.
* The Property option, along with various other NGS sector-specific options, invests in cash in order to manage operational cashflow demands. See our Investment guide for more information.
Our sector-specific options
NGS Self-Managed Direct Investment Option
The NGS Self-Managed Direct Investment Option (DIO) is a direct investment gateway — similar to a self-managed fund — with access to ASX-listed companies, exchange traded funds (ETFs) and term deposits. This option offers more flexibility and control — you should only consider it if you can commit to a high level of involvement in the investment of your retirement savings.
