Investment options

With 12 different investment options on offer there’s something for everyone at max Super.

When you join the Plan through your employer, your super will generally be invested in the MySuper investment option, which is our default investment option. The MySuper investment option is designed to be a good investment approach for most people, and aims to deliver strong long term returns. However, if you’d like to go your own way take a look at our pre-mixed blends and asset options or mix and match. It’s up to you!

Max MySuper (default fund)

We’ve developed a default investment option called the Max MySuper investment option. This investment option has been designed for investors who do not exercise choice, and aims to minimise fees will maximising returns.

 

Max MySuper
75% growth assets pool and 25% income assets pool
pie-livinglarge Investment objective: To provide long-term growth in your investment through exposure to a variety of asset classes with an emphasis on growth assets.
Return Profile: Med/High
Risk Profile (volatility): Med/High
Rec. min. investment timeframe: 5 years
Will it suit me? This option may be suitable for an investor that intends to invest for at least 5 years.

shape-as Australian shares – 42% shape-afi Australian fixed interest – 14%
shape-is International shares – 21% shape-ifi International fixed interest – 7%
shape-lps Listed property securities – 12% shape-cash Cash – 4%

 

Pre-mixed funds

Focus on growth or income assets or choose a pre-mixed blend.

With five premixed funds on offer (including our default fund) you can choose the combination best suited to your life stage and personal preferences. Got plenty of time on your side? You may wish to consider a high growth investment strategy? Close to cashing out? You might want to check out a more conservative option.

 

Asset options

Any combo of pre-mixed funds and/or asset options.

Attention all you wheeler dealers! This is a bit like going backpacking solo in the jungles of South America instead of doing a guided tour of Europe. If you’d like to be more involved in choosing where your super’s invested, create your own investment mix. You can choose a mix of more volatile growth asset classes and/or more conservative income assets. You can also throw one of the pre-mixed funds into the mix. The choice is yours!

Pre-mixed funds

Growth
100% Growth Assets Pool
Like a bit of excitement in your life? Take a bit more of a chance to potentially reap the returns.
pie-growth Return Profile: High
Risk Profile (volatility): High
Rec. min. investment timeframe: 7 years
Investment objective: To provide high growth in your investment over the long term with a high level of volatility from year to year.
Investment Strategy: Invest in a broad range of growth investments, with a spread of risk

shape-as Australian shares shape-null Australian fixed interest
shape-is International shares shape-null International fixed interest
shape-lps Listed property securities shape-null Cash
Balanced
75% growth assets pool and 25% income assets pool
Want us to do the legwork? max’s default strategy offers a blend designed to deliver a strong long term result.
pie-livinglarge Investment objective: To provide long-term growth in your investment through exposure to a variety of asset classes with an emphasis on growth assets.
Investment Strategy: Invest in a broad range of investments, with an emphasis on growth assets, with a spread of risk
Return Profile: Med/High
Risk Profile (volatility): Med/High
Rec. min. investment timeframe: 5 years
Will it suit me? This option may be suitable for an investor that intends to invest for at least 5 years.

shape-as Australian shares shape-afi Australian fixed interest
shape-is International shares shape-ifi International fixed interest
shape-lps Listed property securities shape-cash Cash
Moderate
50% growth assets pool, 50% income assets pool
Like to take a bet each way? Sit on the fence while still going for a reasonable return.
pie-fencesitter Return Profile: Med
Risk Profile (volatility): Med
Rec. min. investment timeframe: 5 years
Investment objective: To provide modest medium term growth in your investment through exposure to a variety of growth and income asset classes.
Investment Strategy: Invest in a broad range of income and growth investments with a spread of risk

shape-as Australian shares shape-afi Australian fixed interest
shape-is International shares shape-ifi International fixed interest
shape-lps Listed property securities shape-cash Cash
Conservative
30% growth assets pool, 70% income pool
Cautious with your money? That’s OK, but your returns may be lower than more growth oriented investments over the long term.
pie-slowsteady Return Profile: Med/Low
Risk Profile (volatility): Med/Low
Rec. min. investment timeframe: 3 years
Investment objective: To provide stable returns through exposure to a variety of asset classes with an emphasis on income assets, with some growth in your investment.
Investment Strategy: Invest in a broad range of investments, with an emphasis on income assets, with a spread of risk

shape-as Australian shares shape-afi Australian fixed interest
shape-is International shares shape-ifi International fixed interest
shape-lps Listed property securities shape-cash Cash
Income
100% income assets pool
More conservative than most? With this option you can make sure your money’s safe and sound.
pie-income Return Profile: Med/Low
Risk Profile (volatility): Med/Low
Rec. min investment timeframe: 3 years
Investment objective: To provide high growth in your investment over the long term with a high level of volatility from year to year.
Investment strategy: Invest in a broad range of growth investments, with a spread of risk.

shape-null Australian shares shape-afi Australian fixed interest
shape-null International shares shape-ifi International fixed interest
shape-null Listed property securities shape-cash Cash
Working Visa
100% income assets pool
We’ve developed an investment option specifically designed to meet the needs of temporary residents who are working in Australia.
Working Visa Graphic Return Profile: Med/Low  
Risk Profile (volatility): Med/Low
Rec. min investment timeframe: 3 years
Investment objective: To provide more stable returns with little growth in your investment.
Investment strategy: The Working Visa option invests in Australian fixed income and cash.

shape-null Australian shares shape-afi Australian fixed interest
shape-null International shares
shape-null International fixed interest
shape-null Listed property securities shape-cash Cash

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Asset Options

Choose you own investment mix from any combination of these asset options, (you can even throw in any of the pre-mixed options above).

Asset Option Invests in… Investment Objective
Australian Shares Invests in Australian companies listed on the Australian Stock Exchange To provide the performance of the market, before fees and taxes, as measured by the return of the S&P/ASX 300 Accumulation Index.
International Shares Invests in Overseas companies listed on International Stock Exchanges To provide the performance of the market, before fees and taxes, as measured by the return of the MSCI World ex Australia Index
Listed Property Securities Investments in property or buildings via property trusts listed on the Australian Stock Exchange To provide the performance of the market, before fees and taxes, as measured by the return of the S&P/ASX 300 Property Accumulation Index
Australian Fixed Interest Loans to Australian governments or businesses where a fixed interest rate and loan length are agreed in advance. To provide the performance of the market, before fees and taxes, as measured by the return of the UBS Australia Composite Bond All Maturities Index.
International fixed interest Loans to Overseas governments or businesses where a fixed interest rate and loan length are agreed in advance. To provide the performance of the market, before fees and taxes, as measured by the return of the Lehman Brothers Global Aggregate Index (hedged).
Cash Cash deposits in a bank, short-term loan securities and other similar investments. To provide investors with the performance of the market, before fees and taxes, as measured by the return of the UBS Bank Bill Index.

To change your investment option download a Change of Investment form