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Investing your super savings

Everyone’s circumstances are different. The amount of super you have when you retire will depend on a number of investment factors, including:

  • 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 chosen investment option/s. The returns from these investments (less costs and tax) can be positive or negative depending on the performance of the funds within your selected option/s and other market factors.

We’re committed to ensuring that our members can take control of these important decisions, by providing a range of investment options (based on your attitudes towards risk).

Take control - your investment options

Choosing your investments—instead of leaving your super in a default option—can tailor your strategy to your goals, timeframe, and appetite for risk and return. Nationwide Super is MySuper compliant and offers 23 investment options to members. Our award-winning multi-asset portfolios include diversified, outcome-oriented, sector, responsible and third party investment options.

Your super may be managed by a team of experts, but that doesn’t mean you can’t decide how it’s invested. It’s your money, and it makes sense for you to care about what’s happening to it. For our Nationwide Super – Employer members, there is also a ‘default’ investment option – the MySuper option, if you don’t make an investment choice.

Five types of investment options


Each diversified option has a different split between growth and defensive asset types, according to its risk/return profile.

Each option is spread across a wide range of asset classes, in varying allocations between defensive and growth type investments. This ensures that they remain true to their risk/return profile regardless of market conditions.

» MySuper

» Defensive

» Diversified 50

» Blended Balanced

» Balanced

» Growth

» High Growth

Outcome oriented

These options are focused on delivering investment return targets above inflation. They are invested across a range of asset classes, including alternatives, and are actively managed within wide allowable asset allocation ranges.

This allows the portfolio manager to dynamically manage the portfolio allocations to the target outcome in a wide range of market conditions.

» Multi-Asset Income Strategy

» Multi-Asset Growth Strategy


These investment options are focused on investment opportunities with low carbon impact, and/or environmental, social and governance (ESG) characteristics.

There are both Australian and Global responsible options available.

» Responsible Australian Shares

» Responsible Global Shares


Each sector option is actively managed to provide exposure to a single asset class, such as shares, bonds, property, infrastructure and cash.
More specific options are available, including Australian and Global variants of some asset classes for more discrete exposures. Some global options offer $A Hedging to minimise the impact of currency fluctuations on performance.

» Australian Fixed Income

» Global Fixed Income – $A Hedged

» Australian Opportunities

» Global Opportunities

» Global Opportunities – $A Hedged

» Australian Cash

» Australian Cash Enhanced

» Emerging Markets

» International Property Securities – $A Hedged

Third party options

These options are managed to provide passive investment exposure to a benchmark index.

These options are not actively managed, and aim to track the return of their reference index.

There are Australian Shares, Global Shares and Global Shares $A Hedged variants available.

» Third-Party Indexed Australian Shares

» Third-Party Indexed Global Shares

» Third-Party Indexed Global Shares – $A Hedged

For details on HOW we invest your super savings, visit our ‘How We Invest’ page.

Making an investment choice

Selecting your investment options is easy – simply complete the relevant section of the application form when joining Nationwide Super.

If you are already a member and didn’t make an investment selection, or would like to change how your current super benefits and future contributions will be invested, the simplest way is to use your secure, online MemberAccess account. You can also complete and return an Investment Choice form, or refer to our PDS and Guides for more information about our investment options.

Need advice?

Plenty of people make the decision to get some advice when making important financial decisions, and with Nationwide Super you can access an expert Super Adviser to help. Simply call us on 1800 025 241 and we can put you directly in touch over the phone for help with investment options, insurance or other financial advice.

For simple guidance on investing basics and super, see the government’s MoneySmart website, or ASFA’s ‘Super Guru’ website.

Visit MoneySmart Visit Super Guru