Distribute your investment
For more detail, click on the relevant investment option below or read the
Diversified (MySuper) — default investment option
<a href="/investments/specific-investment-options/diversified-mysuper" target="_blank">Diversified (MySuper)</a> — <em>default investment option</em>
This option has a higher weighting to investments in assets with the potential for medium to long-term growth such as shares, infrastructure and property.
<a href="/investments/specific-investment-options/high-growth" target="_blank">High Growth</a>
A diversified investment option with a substantial weighting towards those assets which will potentially produce superior returns over the longer term.
<a href="/investments/specific-investment-options/balanced" target="_blank">Balanced</a>
An investment option split evenly between assets which provide the prospect for capital growth and assets which display defensive characteristics.
<a href="/investments/specific-investment-options/defensive" target="_blank">Defensive</a>
A relatively conservative investment option with a higher weighting towards the more defensive types of assets such as cash, fixed interest, defensive alternative funds and direct property.
Socially Reponsible Diversified
<a href="/investments/specific-investment-options/socially-responsible-diversified" target="_blank">Socially Reponsible Diversified</a>
Shares in this option are predominantly invested in sectors and companies that have ranked highly when considering environmental, social and governance factors.
<a href="/investments/specific-investment-options/indexed-growth" target="_blank">Indexed Growth</a>
Includes asset classes where a broad market index is available and investable. The option will aim to provide exposure to these asset classes through the use of passive indexing strategies.
<a href="/investments/specific-investment-options/shares-plus" target="_blank">Shares Plus</a>
Invested predominantly in companies listed on Australian and major international stock exchanges, which offer potentially higher levels of return but potentially high levels of variability in returns.
<a href="/investments/specific-investment-options/australian-shares" target="_blank">Australian Shares</a>
Predominantly invested in companies listed on the Australian Stock Exchange.
<a href="/investments/specific-investment-options/international-shares" target="_blank">International Shares</a>
Predominantly invested in companies listed on major international stock exchanges.
<a href="/investments/specific-investment-options/infrastructure" target="_blank">Infrastructure</a>
Predominantly invested in unlisted infrastructure assets, strategically blended with listed infrastructure securities in Australia but with some international exposure.
<a href="/investments/specific-investment-options/property" target="_blank">Property</a>
Predominantly invested in Australian property but with some international exposure. The listed property investments can be subject to equity-like returns and risk.
<a href="/investments/specific-investment-options/diversified-bonds" target="_blank">Diversified Bonds</a>
An investment in cash and fixed interest investments, which include securities issued by both Australian and International governments and corporations.
Cash and Term Deposits
<a href="/investments/specific-investment-options/cash-and-term-deposits" target="_blank">Cash and Term Deposits</a>
An investment in bank term deposits and at call cash accounts. The aim is to provide a high level of security of the capital value of your investment.
Total allocation (must be exactly 100%)
No employer contributions will be paid to your NGS Super Accumulation account.
You will not be automatically provided with
insurance as an NGS Super member.
You can apply for cover by logging into your secure Member Online account (after you complete the application process and receive your membership number) or by completing an
Insurance Variation Increase Cover form.
Your application will be subject to acceptance by the insurer.
When you join,
will start automatically, once: Default Cover
your account balance has reached at least $6,000 and
you are aged at least 25 years.
will commence on receipt of your next employer contribution. Default Cover
Please answer the following questions to determine which insurance category applies to you:
Eligible members will automatically receive
Default Cover 1 for:
Life insurance through to age 75 if joining NGS Super prior to age 70
Income Protection if under age 67 and
Total and Permanent Disablement (TPD) cover if under age 65.
is initially based on your employer’s insurance category of either NGS Plus or NGS General. Your sum insured amount is based on your age. Default Cover
1 Eligibility for is subject to the terms and conditions in the Insurance Policy. Further details can be found in the Default Cover Insurance guide.
If you are already an existing member of NGS Super, you will not be eligible for
if: Default Cover
you currently have an existing NGS
Accumulation account (i.e. you are opening a second Accumulation account) or your
Accumulation account is established due to a transfer of funds from an existing NGS Income account or NGS Transition to retirement account (regardless of whether you will have an employer that will commence making contributions to NGS Super on your behalf).
You can apply for cover by logging into your secure
Member Online account or by completing an Insurance - Increase Cover form.
To assist in allocating the correct insurance category for you, please answer the following questions.
Are you employed by either: - a school, a kindergarten, a P&C Association, or other body which provides education as its primary function or - a credit union, bank or other employer in the finance sector? *
Are you employed by either:<br> - a school, a kindergarten, a P&C Association, or other body which provides education as its primary function or<br> - a credit union, bank or other employer in the finance sector?
Are the duties of your occupation limited to professional, managerial, teaching, administrative, clerical, secretarial or similar ‘white collar’ tasks which do not involve manual work and are undertaken entirely (or at least 80%) within an office environment or classroom (excluding workshops)? *
Are the duties of your occupation limited to professional, managerial, teaching, administrative, clerical, secretarial or similar ‘white collar’ tasks which do not involve manual work and are undertaken entirely (or at least 80%) within an office environment or classroom (excluding workshops)?
Is your annual salary over $100,000? *
Is your annual salary over $100,000?