Your investment options
Here’s everything you need to know about your super scheme in one place, from how it’s designed and the objectives we’re trying to achieve to how it’s performing over time.
PSSap members can choose one or more of four investment options.
MySuper Balanced (default)
This is the default option for PSSap members*. Until you choose a different option, your super balance and contributions will be invested in MySuper Balanced.
This option may be suitable for those prepared to take more risk in exchange for potentially higher returns on their investment over the medium-to-long term. The minimum suggested timeframe for holding this option is 10 years.
Our Cash Option reduces risk by investing all your funds in cash assets.
This option may be suitable for those who prefer less risk. The minimum suggested timeframe for holding this option is five years.
This option may be suitable for those prepared to take more risk in exchange for potentially higher returns on their investment in the long-term. The minimum suggested timeframe for holding this option is 15 years.
For more information you can read our how options relate to your working life-cycle factsheet.
Which options or mix of options should you choose?
Taking your personal objectives, financial situation and needs into account, there are things you should consider before making an investment choice, for example:
- The amount of time your money will be invested before you need it for retirement
- The level of investment performance that you are expecting
- The level of risk and fluctuation that you can tolerate
Thinking about switching?
You can switch to a different investment option(s) any time to suit your needs and objectives. Switching fees may apply if you switch more than twice in any financial year.
You can choose a different investment strategy for your future contributions and existing account balance, or you can elect the same strategy for both.
Until you make a choice, your super balance and contributions will be invested in MySuper Balanced, the default investment option for PSSap members. For Ancillary members, the default investment option is Balanced.
More information about switching between investment options is available in our Investment Options and Risk IBR
How we invest
When we make decisions about investment, we make them with you in mind, whether it’s the principles we abide by, how we structure ourselves or what we invest in. Here’s how.Find out more
In this section you’ll understand the measures we put in place to achieve investment performance and to help you have the retirement you deserve.Find out more
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Investment options CSCri
Take the time to understand your investment options and how your super is invested in them.Learn more
Product Disclosure Statement
The PDS provides important information about the fees, benefits, risk and cost of investing your super.Learn more
Make changes to your super or insurance with these forms.Learn more