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How we invest

Making a selection from our investment menu can make sure your investment strategy is a good match for your current needs and risk/return profile. But the first step is to understand what these options are, how the options are managed, and what type of investor is best suited to invest in which option.

Diversified options

What are diversified options?

A spectrum of options that range from low risk (and low expected return) through to high risk (and high expected return) investments. Each option includes a mix of different investment types, including shares, property, bonds, cash, and alternative assets, such as infrastructure and commodities.

How are these options managed?

Each diversified option is managed to get the best possible level of return for a given level of risk. For example, higher risk options are managed to deliver higher long-term returns, yet from time to time, there may be years that bring negative returns. Importantly, the investment strategy for each option is managed in line with its diversification mix, so as an investor, you always know that your investment strategy will be in line with your risk appetite.

Who is best suited to invest in these options?

Investors who know their risk/return profile. This generally comes down to your goals for retirement, your attitude to risk, and the timeframe you are investing for.

» MySuper

» Defensive

» Diversified 50

» Blended Balanced

» Balanced

» Growth

» High Growth

Outcome-oriented options

What are outcome-oriented options?

Options focused on delivering an investment return target above inflation, while managing downside investment risk. As a result, these options may not experience the large gains that more growth-oriented diversified options do in strong markets, but aim to avoid negative returns. Like the diversified options, outcome-oriented options are invested across a broad range of investment types.

How are these options managed?

Unlike the diversified options, outcome-oriented options are focused on achieving return objectives, rather than matching a particular risk profile. This means the portfolio manager has more discretion to continually adjust the investment strategy (and risk profile) to achieve the target outcome.

Who is best suited to invest in these options?

Investors looking for a specific return from their investment. For instance, an outcome-oriented option may be suitable for a retiree seeking more certainty over their income payments, or an investor nearing retirement with sizeable savings to protect. Lower potential for generating high returns (say compared to a High Growth diversified option) can make these options less suitable for younger investors with decades to invest.

» Multi-Asset Income Strategy

» Multi-Asset Growth Strategy

Responsible options

What are responsible options?

These options focus on investments that contribute to society and the environment positively in some way, or promote beneficial outcomes for communities.

How are these options managed?

The Global Shares Option is designed to support the management of climate change risk through decarbonisation. It also excludes companies involved in tobacco, nuclear weapons, cluster munitions, anti-personnel mines, and uranium. The Australian Shares Option avoids investments in alcohol, tobacco, gaming, uranium mining, weapon and armament manufacture, and companies that derive more than 10% of revenue from pornography.

Who is best suited to invest in these options?

Investors who prefer their super investments to reflect their core values, while still aiming to deliver competitive returns. Both options only provide exposure to a single investment type, so they may be added to a diversified or outcome-oriented option for added diversification.

» Responsible Australian Shares

» Responsible Global Shares

Sector options

What are sector options?

Options providing exposure to a single investment type like shares, bonds, property, infrastructure and cash. Australian and global asset class options are also available.

How are these options managed?

Each option is actively managed by a specialist portfolio manager, aiming to outperform the relevant benchmark over the long term. Each option is carefully risk-controlled, so that returns broadly reflect what investors have come to expect from the asset class/investment type within the option.

Who is best suited to invest in these options?

Advanced investors who want to build a customised portfolio. While these options provide diversified exposure within each investment type, they are not diversified across investment types.

» 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

What are third party options?

These options are a set of low-cost investment options, providing basic passive exposure to a target asset class.

How are these options managed?

These options are passively managed. This means they try to replicate the make-up of the target index, such as the S&P/ASX 300 for Australian Shares, or the MSCI World for Global Shares. There is no portfolio manager actively managing the holdings, or trying to outperform the benchmark index.

Who is best suited to invest in these options?

Investors who prefer low cost exposure, or do not believe that active management can add value over time for these investment types.

» Third-Party Indexed Australian Shares

» Third-Party Indexed Global Shares

» Third-Party Indexed Global Shares – $A Hedged

Choose the right strategy

Everyone thinks a little differently about how to invest their super. Some are suited to a high-growth fund, some a more conservative option, and others need a balance between the two.

Your investment strategy can impact your balance by the time you retire, so it’s important you get it right. Your strategy should align with your personal circumstances, and suit your goals, investment timeframe, and attitude towards risk and return.

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.