Investment Options

Superannuation is generally a long-term investment. The amount of super you have when you retire will depend on the following investment factors:

• how long you have had your super for;
• how much you have contributed;
• how much your employer has contributed;
• what investment option(s) you have chosen; and
• how your chosen investment option(s) have performed.

The money in your super account is invested according to your investment option(s). The returns from these investments (less costs and tax) are applied to your account once a year. They can be positive or negative depending on the performance of funds within your selected option(s) and other market factors.

The team at NSF Super are committed to ensuring that our members are provided with a range of investment options that are relevant to their attitudes towards risk.

Your investment options with NSF Super

NSF Super offers the choice of five investment options (see below), four of which are diversified across a range of asset classes, investment managers and industry sectors.

NSF Diversified (Default)
NSF High Growth
NSF SRI/Ethical
NSF Prudent
NSF Cash

Each option has its own investment objectives, strategies and level of expected risk and return. Click on each option to find out more about it to decide which ones may suit you best.

If your account balance is above $1,000 you can make a choice as to which NSF Super investment option(s) your money is invested in; however if you don’t make a choice, your super will be invested in the NSF Diversified option.

If your account balance is less than $1,000 you may elect to switch to the NSF Cash option at any time. This means, if you have a balance of less than $1,000, your investment choice options are NSF Cash and/or NSF Diversified.

Making an investment choice

Members are given the opportunity to select investment options when completing their application form to join NSF Super. If you would like to change how your current super benefits and future contributions will be invested, please download our Investment Guide, then simply complete and return the enclosed ‘Member Investment Choice’ form.

You can change your investment options as often as you like, and the first switch each financial year will be free of charge. Subsequent switches within the same financial year will incur a fee.

Getting advice

You can call the team at NSF Super on 1800 025 241 to obtain general advice (without taking into account your personal circumstances) about any of our investment options and for information relating to selecting an investment option.

If you would like advice that does take into account your personal situation, you should speak to a licensed financial planner. You can find a qualified financial planner in your area by contacting the Financial Planning Association of Australia on 1300 626 393 or at www.fpa.asn.au

For simple guidance on investing basics and super, see the government’s money website, www.moneysmart.gov.au