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Everything you need to know about opening a super account and managing your money for the future
Everything you need to know about your investment options with Equip, including unit prices and returns.
Everything you need to know about retirement, your super, drawing a pension, and ensuring your money last longer.
Everything you need to know about joining Equip as an employer.
Everything you need to know about Equip's financial planning services.
Access Equip's various tools and resources including our MyFuture calculator.
Get your EOFY super contribution in before the deadline. Learn more.
*Investment switching update*
Between 1 July and 8 July 2021, you won’t be able to switch investment options online while we make some behind the scenes updates. All other account activity will work as normal, and no other transactions will be impacted. If you have lodged a change to your investment options by post, or over the phone, it will be processed on or after 9 July 2021. All other account activity will work as normal, and no other transactions are impacted. Any contributions made during this period will be added to your account, and all usual pension payments will be made.
Diversification helps offset market fluctuations by spreading your money across different assets.
Equip offers six diversified investment options ranging from Conservative to Growth Plus. You can choose the option that best meets your financial goals and risk tolerance. If you do not choose a preference your money will be invested in Equip’s default MySuper option.
Equip's investment team ensures that the allocation to each class in the option you are invested in remains within the permitted range.
In other words, you can choose the option that best meets your personal financial goals and risk tolerance, then leave it up to Equip’s investment team to oversee your investments.
Equip MySuper is a low-cost, balanced option. It is the default investment allocation if you do not provide us with a preference.
Designed for people who wish to invest in lower risk securities in exchange for more stability.
Our balanced option is aimed at members who want a middle of the road mix of risk and return.
This is for members who want to strike a balance between risk and return, but are prepared to accept a slightly more aggressive asset allocation.
Aimed at members who want to strike a balance between risk and return, but are prepared to accept a more aggressive asset allocation.
Growth Plus is nearly 100% invested in Australian and overseas shares to pursue long-term growth, but can be more volatile in the short term.
You can now see unit prices and graph trends to compare options.
Sector specific options are useful for members who want greater control over their asset allocations.
They allow you to invest in particular asset classes, or can be used in conjunction with a diversified option to provide greater specific market exposure.
Sector specific options should be assessed regularly, to ensure they still align with your intended risk and returns preferences. We generally recommend seeking professional financial advice about sector specific investments.
Members who wish to invest in the Australian share market's leading stocks can invest in this option. As it is invested in shares, it has the potential of providing higher long-term returns, but also increases the risk of a negative return from time to time.
Sustainable Responsible Investments (SRI) suit members who wish to consider their investment’s impact on society and the environment, but are still looking for a growth orientated option. As this is invested in Australian shares, there is potential for occasional investment losses.
Members who wish to invest in the international share markets' leading stocks can invest in this option. As it is invested in shares, it has the potential of providing higher long-term returns, but also increases the risk of a negative return from time to time.
The Property option is invested in a number of different property sectors, such as office buildings, shopping centres and warehouses which may suit members who wish to select a moderately aggressive asset allocation with some risk of negative returns.
Bonds and fixed interest investments are considered more stable and historically less volatile than share investments, but long-term returns are usually lower.
The Cash option is invested in term deposits and bank bills, which means you sacrifice growth for increased stability and security.
See how long your super may last, and what you can do to boost it.
Defined benefit membership is closed to most Equip members.
It is a special type of plan where the employer promises a benefit on retirement that is predetermined by a formula.
You can find details of the defined benefit fund's performance here.
© 2021 Togethr Trustees Pty Ltd ABN 64 006 964 049 AFSL 246383 - *Past performance is not an indication of future performance
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