Investment options
CSC’s investment options are designed to deliver dependable retirement outcomes for Australian Government and Defence Force members. Your financial journey is unique—your super should be too.
Your super, made simple. CSC offers three pre-mixed options designed for different life stages, plus a cash option.
Choosing your investment option
The choices you make today can shape your retirement tomorrow. Take a moment to understand your options, based on your goals, financial situation, and comfort with risk.
Think about:
- how investment performance affects your balance
- how long your money will be invested
- how much risk and fluctuation you’re comfortable with
If you don’t make a switch, your super will stay in the default MySuper Balanced option.
Thinking about risk in your super
Your super could be your main source of income in retirement, so it’s important to understand how risk affects your investments—and how you feel about it. As life changes, your strategy may need to change too. Taking time to review your investment choices is a smart way to stay on track.
Here are three things to consider:
Your goals
Are you saving for the short term or long term? How much will you need?
Your timeframe
When do you plan to retire, and how long do you need your money to last?
Your comfort with risk
Are you okay with ups and downs now for potentially higher returns later, or do you prefer steady and moderate growth?
Assessing investment risk—beyond simple labels
We build portfolios by considering the underlying assets’ risk profiling, and the role they have in the portfolio, rather than their asset class ‘label’.
Grouping investment risk into growth/defensive categories is simplistic and can be misleading. Because there is no industry standard, grouping investment risk into these categories is subjective. In order to measure risk and estimate the probability of achieving customers’ retirement outcomes more effectively, we assess growth/defensiveness as a spectrum, and aggregate each asset’s weighting to defensive vs growth characteristics.
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Defensive quality is measured by the asset’s capacity to protect capital when conditions deteriorate.
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Growth quality is measured by the asset’s capacity to sustainably grow savings over time. Growth is not the same as capital-loss risk.
Making a switch
You can make two switches* each financial year, and then pay $20 per additional switch. You can switch to a different investment option(s) any time to suit your needs and objectives. To switch:
- log into the CSC Navigator; or
- download, complete and return an Investment choice form.
More information about switching between investment options is available in the CSCri Product Disclosure Statement.
*Buy/sell spreads apply to all switches made.
Discover your investor profile
Curious about your investor profile? Understand your risk comfort in five questions — your guide to choosing with confidence. Risk profiler quizMeet with a super specialist
Get expert help to understand your investment options and super essentials. Book a 30‑minute meeting at no extra cost. Super specialistsSwitch your investment option
Investment choice (ADF Super)
Use this form to choose your preferred investment option or a mix of options.
Change your account details (CSCri)
Use this form to change or correct your CSCri account details.
Investment choice (PSSap)
Use this form to choose your preferred investment option or a mix of options.