|
Member investment choice
|
|
Member investment choice allows you to choose the investment approach that you are most comfortable with and that is appropriate for your needs.
Saving and investing through superannuation is designed to be the foundation of your financial independence in retirement. As superannuation exists for your retirement benefit, you may want the opportunity to decide on the management style for your money. You know better than anyone else what your needs are now and into the future. As well, you know how many years you want to work until you retire from the workforce and the level of investment risk that is relevant to your situation.
CSRF provides you with 10 investment options. Each investment option presents a different degree of investment risk, together with a different expected level of earnings (return) on your investment. This is because each option is comprised of different proportions of growth assets and defensive assets.
A member is able to select one or a combination of any of the 10 investment options available.
Historically, growth assets such as Australian shares, international shares and property, carry a higher level of investment risk over shorter periods, with the possibility of high returns over the longer term. Returns may be negative in some years.
Defensive assets such as bonds, cash and deposits, have a lower investment risk but usually offer lower returns in the longer term.
When choosing your investment option(s), you may wish to consider:
- the amount of time your money will be invested before you use it in retirement
- level of investment earnings (return) which you are looking for and
- level of risk with which you are comfortable for your retirement savings.
Product Disclosure Statement
