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Grow your future balance

Any idea what your super gets up to when you’re not looking? It’s not just sitting there – it’s invested. And how it’s invested can make a real difference to how much is there for your future.  That's why choosing investments that suit your needs is an important part of being super equipped.

With 11 different investment options to choose from, Equip Super has something for pretty much everyone. And if your needs change over time? Your investment options can change too. Switching options is easy and there's no fee to switch. Just log in to your account. 

Easy online switching

Ready to make a switch? Simply head to Member Online to make your changes online.

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Changing your investments

There’s no fee to switch and you can make your changes at any time.

Simply:

  • Members with Equip MyFuture accounts: you can change the investment options for your existing account balance, and/or your future contributions.
  • Members with Transition to Retirement Income and Retirement Income accounts: you can change the investment option (or options) you’ve chosen for your existing account balance, and/or your investment options for your payment drawdowns.

There’s no limit on how often you can switch. However, it’s worth keeping in mind that saving for retirement – and even saving in retirement – is a long-term investment. For that reason, it can be important to maintain a long-term view when it comes to how you invest your money.

Frequent switching between investment options and trying to second-guess the market can be risky. You should only switch after a thorough review of your long-term investment strategy. We recommend you obtain financial advice before making any decisions about switching between investment options.

The amount you switch may not be known until we calculate the unit prices for the effective date of your switch. This means that the amount switched will not be the balance you currently see.

For example, when you look at your balance online, it is based on the latest available unit price. This is usually from two days ago. When your switch is processed, your balance will be updated with the unit price for the date you switched. The unit price will reflect changes in investment markets which will also impact your balance. This means that the amount switched will not be the same as the balance you last saw.

Learn more about unit prices

If we receive your request to switch your investments prior to 4:00 pm AEST on a Melbourne business day, it will be effective using the unit prices for that day. If your request is received after 4:00 pm on a Melbourne business day, or on a public holiday, or on a weekend, then the change will be effective using the unit prices for the next business day.

It usually takes about two business days to see a switch reflected on your account. This is because the unit prices are calculated once investment markets have closed for the day you switched. The unit price is calculated on the next business day and will usually be applied to your account the following business day.

It’s important that you consider these things before making an investment switch. You should also consider seeking financial advice before you make investment changes to your super.

Learn more about financial advice
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A range of investments to suit your needs

We offer a wide range of investment options, so you get to choose which ones work best for your needs.

See what we offer

Super equipped

If you need some guidance or advice on your Equip Super account, our team is here to help. We can provide personal advice and information on a range of common account topics, including;

  • investments, 
  • contribution strategies and 
  • transitioning to retirement.

And all at no extra cost for our members - it's just one of the ways we help you get super equipped.

Learn more

Join our award-winning Fund

Get super equipped, with an award-winning, profit-to-member industry fund that works hard for you and your future. 

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Super ratings award Super ratings: Platinum MyChoice Super award winner Super Review award: 20 year platinum performance Super ratings: Platinum MySuper winner Super ratings: 10 year platinum performance Super ratings: Platinum Pension award winner Super ratings: 15 year platinum performance

 

‡The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 (SuperRatings) a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, AFSL No. 421445. Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings use proprietary criteria to determine awards and ratings and may receive a fee for the use of its ratings and awards. Visit superratings.com.au for ratings information. © 2024 SuperRatings. All rights reserved.

© 2023—2025 Togethr Trustees Pty Ltd ABN 64 006 964 049 AFSL 246383 — *Past performance is not an indication of future performance.
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