Some important considerations

The investment options you choose for your super and retirement savings can make a significant difference to the type of lifestyle you get to enjoy in retirement. And everyone’s needs are a little different. The investments that are right for you, therefore, will depend on your financial needs and circumstances, and your retirement goals.

There’s a range of factors to consider when thinking about the investments that might suit you best. For example:

  • How long will your money be invested?
  • What sort of lifestyle do you want to lead in retirement, and how much super will you need to achieve that?
  • Are you going to make a gradual transition to retirement, or retire fully from the workforce?
  • How long are you planning for your retirement savings to last?
  • How comfortable do you feel with investment risk?
  • As an investor, do you prefer to choose your own mix of investments, or would you rather leave it to the investment experts to select a balanced portfolio of investments on your behalf?
  • What other investments do you have – and how will they work together to help you achieve your retirement goals?

What if you don’t want to make a choice?

You don’t have to make an investment choice for your Equip Super account. If you don’t make an investment choice, we’ll automatically invest your account balance as follows:

These are ready-made portfolios of investments, selected by the experts, and managed by the experts on your behalf. While MySuper and Capital Stable are both stand-alone investment options, MyPension invests across the Cash, Capital Stable and Growth investment options.

* If you’re transferring out of your Defined Benefit Plan, a number of factors determine your default options. Contact us on to learn more about your options and how your funds will be invested.

Can you change your mind?

You can change the way your super is invested at any time by making an investment switch. There’s no fee for switching.

Learn more
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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.

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We can help you decide

Getting a little support and guidance from the experts can make a big difference when it comes to choosing the right investments for your super and retirement savings. And our team is here to help.

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‡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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