HOW TO CHOOSE INVESTMENT OPTIONS
|
|
Your investment choice has a significant impact on your retirement income. Remember that your super has to fund a retirement income for 20-40 years. Choose diversified super investment options to provide for short term needs and also long-term growth.
Things you can do
- Understand investment risk vs. return
Risk describes the likelihood that your investment will earn less than expected - or even drop in value. Return is the rate by which your investment increases or decreases.
Personal factors to consider
-
Your investment timeframe (short, medium or long term)
-
When you intend to draw on your super savings
-
Your attitude to risk (are you willing to bear more investment volatility for expected long-term return, or would you prefer a more stable return from year to year?)
Frequently Asked Questions
- Why am I asked to choose an investment option?
Generally when you join Vision Super you will be asked to make an investment choice. This is because your super account is linked to the investment market. You are essentially choosing the types of asset classes you want your super to be invested in. If you do not make a choice, your super is automatically invested in the Balanced Growth investment option.
- What is an asset class?
An asset class is a type of asset that people invest in with the expectation that it will grow in value over time. E.g. Cash, Bonds and Shares, which can have very different behaviours. Most investment options are usually made up of varying proportions of some or all of these asset classes.
How to make an investment choice:
- If you have an online password to our secure member site, log in to make an investment choice.
Please note: There is no fee for switching investment options, however a buy/sell spread may apply. You will only be able to switch investment options when your account balance reaches $2000.If you want to spread your investments across more than one option, you must maintain a minimum balance of $2,000 in each chosen option. (This applies to all investment options).You should seek professional advice and consult your relevant Product Disclosure Statement before making any investment decision.
For more information or assistance, please call our friendly Member Services team on (03) 9911 3222 (regional callers 1300 300 820) or
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
.
 Some documents on this page require Adobe Acrobat Reader
Click here to download
|
