High risk, low risk? What’s right for you?

We all have a different attitude to risk and money. Taking the time to choose how your pension is invested can have a major impact on how long it lasts. On average, we’re all living longer than we used to, which means your money may have to last for longer than you spent in the workforce.

You have to think about how long you have left until retirement, how you plan to use your super savings once you retire, and your tolerance to investment risk or the chance of a negative investment return during a period. This may play a part in your decision.

Your choices made easy

Our range of eight investment options has been designed to make your investment choice easier.

Each option has a different strategy and objective.

We offer three pre-mixed options, which means your money is invested across several asset classes including shares, cash, property and fixed interest. In addition, we also offer five asset class options. You can either choose one option, or spread your funds over multiple options.

Product option Investment options
Kinetic Smart Pension Pre-mixed Asset class
As with the Choice option, if you are a Kinetic Smart Pension member, you also have the choice to actively manage your investment across the eight investment options. Depending on your objectives, you may wish to protect your retirement savings or focus on further growth.

Making the switch

To switch investment options, simply log into Member Online Services where you can switch options up to 6 times each financial year free of charge. A $30 fee is charged for your seventh and subsequent switches. Alternatively you can complete the Kinetic Smart Pension Form within the PDS and post it to us.