| Investment option | Pre 1 July 2019 | Post 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. |
| Bonds | Minimum time to invest – From one to five years | Minimum time to invest – at least one year. |
| Balanced | Suitable 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. |