Minimum time to invest and suitability

Super / pre-retirement pension and account-based pension options

Investment option Pre 1 July 2019Post 1 July 2019
Stable

Suitable for people who wish to invest their super for five or more years.

Suitable for people who wish to invest for three or more years.

Cash

Minimum time to invest – Cash is a short-term investment not suitable for investors who have more than three years to invest their super. 

 

Suitable for people who wish to invest their super for less than three years.

Minimum time to invest – Cash is a short-term investment with no minimum time frame.

Suitable for people who are willing to accept lower returns in exchange for little or no risk of negative returns.
BondsMinimum time to invest – From one to five yearsMinimum time to invest – at least one year.
BalancedSuitable for people who wish to invest their super for three to five years or more.Suitable for people who are willing to invest for three or more years.