NGS Advice Essentials

Yes. Your super is always invested, typically across assets such as shares, property, and fixed interest. Most funds, including NGS, allow members to manage their investments and choose from different options depending on risk tolerance and retirement goals.

While there’s no single best super investment strategy, Essentials can provide personalised super investment advice tailored to your situation. Our Advisers offer financial planning and superannuation investment advice without commissions or sales incentives.

Choosing an investment option depends on your risk tolerance, how long you have until retirement, and how comfortable you are with market ups and downs. The goal isn’t to find “the best option” but the one that suits your needs. Essentials can help you compare specific NGS investment options, review investment performance, and understand how NGS manages investments.  

NGS provides clear, balanced super investment advice without commissions, supported by resources like the Investment Guide.

There’s no single “best” choice for everyone. Super can be invested in diversified portfolios such as balanced, growth, defensive, or cash and term deposits. Your decision should reflect your goals, time horizon, and comfort with risk. Essentials offers personalised superannuation investment advice to help you understand which option may suit your situation, without recommending specific products.

Consolidating super can reduce fees and simplify account management. However, it’s important to check whether you’ll lose valuable insurance cover or face exit fees before making changes. Essentials Plus can provide personalised guidance on whether consolidation is right for you. You can also learn about how your super is taxed to understand the implications.

Essentials Plus is only available through our Phone Advice team and is recommended when your adviser identifies broader strategic needs.

Super balances fluctuate with market conditions because investments like shares and property change in value over time. Short-term ups and downs are normal, while long-term performance often smooths out volatility. Essentials advisers can help you understand risk levels, your investment returns, and whether your current mix aligns with your retirement goals.

You can also explore how NGS manages investments and resources on understanding risk in retirement.

When you book an Essentials appointment, you’ll meet with a qualified Adviser who will discuss your goals and personal situation via phone or video call. Based on this discussion, they’ll determine whether Essentials meets your needs or whether Essentials Plus or Platinum may be more appropriate.

Essentials Plus is available through adviser-led conversations only (phone or video) and is not offered through self-service digital channels.