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. View the Max Super MySuper Dashboard here.
| Max MySuper | ||||||||
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| 75% growth assets pool and 25% income assets pool | ||||||||
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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.
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Australian shares – 42%
Australian fixed interest – 14%
International shares – 21%
International fixed interest – 7%
Listed property securities – 12%
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 | ||||||||
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| 100% Growth Assets Pool | ||||||||
| Like a bit of excitement in your life? Take a bit more of a chance to potentially reap the returns. | ||||||||
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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
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| 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. | ||||||||
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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.
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| 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. | ||||||||
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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
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| 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. | ||||||||
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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
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| Income | ||||||||
| 100% income assets pool | ||||||||
| More conservative than most? With this option you can make sure your money’s safe and sound. | ||||||||
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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.
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Australian fixed interest
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. |
| 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