Investment choice
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 even have to last for longer than you spent in the work force!
Of course, a more aggressive style option does not suit everyone. 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.
How to decide?
You have to be comfortable with your decision. A detailed overview of each investment option is provided within the Investments section of this site. However, we have provided you with a snapshot of your choices below.
Your choices made easy
Our range of investment options has been designed to make your investment choice easy.
We provide nine different investment options for you to choose from. Each option has a different strategy and objective.
We offer four 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.
Making the switch
To switch investment options, simply log on to Member Online Services or complete the Pension investment switch application and post it in to us.
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.
Damian Udall
Understanding your options leading up to retirement can make a world of difference.
About the Fund
SMARTpension works closely with you to plan a stress-free retirement, giving you the benefit of low fees and personalised, one-on-one support and services that make your transition as smooth as possible. Get freedom and value for your retirement. SMARTpension account-based pensions make it easy to manage your pension, so you can spend less time worrying and more time doing the things you enjoy.
The transition to retirement can sometimes be difficult and confusing. SMARTpension members have access to expert advice and support. With options for both transition-to-retirement and allocated-based pension funds, will help you find the solution to suit your needs.
With low fees, no commissions and no entry fees, SMARTpension makes it easy to manage your pension fund with simple administration and online member services. So talk to us today about how we can help you get the most from your retirement. Read more
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SMARTpension is a division of Professional Associations Super, an industry fund with over 445,000 members across Australia and over $1.5 billion of funds under management. Professional Associations Super divisions include Accountants Super, Australian Enterprise Super, and RecruitmentSuper
Find us by searching: Pension Fund, Pension Funds, Allocated Pension, Allocated Pensions, Pension Super Fund, Pension Superannuation Fund, Retirement Superannuation, Retirement Planning, Superannuation Allocated Pension, Superannuation Pension, Transition To Retirement Pension, Transition to Retirement Calculator, Retirement Calculator.
SMARTpension is a great option for existing Professional Associations Super members including RecruitmentSuper, Accountants Super, and Australian Enterprise Super
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This information is of a general nature only and does not take into account your personal objectives, situation or needs. Before making a decision about SMARTPension, you should consider your own requirements and the relevant Product Disclosure Statement. Contact us for a copy.