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 account, your money will automatically be invested in our Diversified (MySuper) option.
If you don’t make an investment choice for your NGS Income account, your money will be automatically invested in the default investment strategy, and your account will be invested 12% in the Cash and Term Deposits option and 88% in the Retire Plus option. More information on each of these investment options is provided below.
The default investment strategy will also apply if you choose to set up your NGS Income account with Easy Default on the Application form.
If you don’t make an investment choice for your NGS Transition to retirement account, your money will be automatically invested in our Diversified option.
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.
