As a member of Mine Super, you have choice when it comes to investing your retirement nest egg, with six pre-mixed options as well as single asset class investment options. But before deciding which investment options are appropriate for you,
it’s important to be familiar with basic investment concepts and work out your savings goal, risk tolerance and investment time frame. In this article we focus on risk tolerance.
We use the Standard Risk Measure (SRM) for our investment options, which allows you to compare investment options’ risk by considering the number of negative annual returns expected over any 20 year period. Each investment option is placed into one of seven risk labels, ranging from very low to very high. It’s important to note that while the SRM can help you understand your investment risk, it shouldn’t be the only consideration. For example, the SRM doesn’t show you:
Whether you’re working, approaching retirement or are already retired, you also need to consider:
If you have a super account with Mine Super and haven’t made an investment choice, you’re invested in our Lifecycle Investment Strategy (LIS). The objective of the strategy is simple: to give you significant exposure to growth assets such as shares in the early stages of your working life, and then gradually reduce this as you get older by increasing your exposure to defensive assets such as bonds and cash. This helps provide less volatile investment returns as you get older, as you can see in the examples below.
![]() Mark Smith | 34 Invested in Mine Super’s LIS | 100% invested in the High Growth investment option (giving you greatest exposure to growth assets in the earlier stages of your working life while you build up your nest egg). |
![]() Jon Smith | 59 Invested in Mine Super’s LIS | 40% Invested in the High Growth investment option and 60% invested in the Conservative Balanced investment option. |
![]() Paul Davies | 65 Invested in Mine Super’s LIS | 100% invested in the Conservative Balanced investment option (giving you greatest exposure to defensive assets at the time you’ll likely start to draw down a pension). |
Note: the above examples are based on fictitious persons.
View our investment options for Super or Pension, or go to your online account to view and manage how your money is invested.
As a member you’re entitled to a complimentary appointment with Mine Super Financial Advice. You can request an appointment online or by contacting us.
*Source: AdviserRatings, 2021 Value of an adviser report, September 2021.