Getting the mix right

Everyone’s different. Different incomes, different goals, different appetites for risk. So we’ve put together a range of investment options for you to choose from for your Accumulation or Income Account.

This calculator can help you design an investment mix that suits you. By mixing the various options, you can see the percentage breakdown of your investment in each asset class.

Investment choice mix

How you choose to invest your money may affect how much super you end up with. So it’s important to make sure you understand what your investment choices mean in terms of the risks and expected returns.

Remember too that your investment choices will probably change over time. What’s right for you at 25 may not be right for you as you get closer to retirement.

For example, when you’re younger you’ll probably have more time to weather the ups and downs that come with choosing a higher-risk, higher-return investment option.

But when you’re nearing retirement you’ll probably want a more stable option that gives you greater certainty over your future finances.

Regardless of where you’re at in life, we’ve got an option to suit you. 


1. The asset allocation provided in this calculator is based on your current Lifetime group. Lifetime uses a lifecycle investment strategy that automatically adjusts your asset allocation to meet your needs over time. We review your Lifetime groups each year in May and November. On the date of the group review your Lifetime group and associated asset allocation may change. The asset allocation for Lifetime provided in this calculator is based on the age and total investment information you’ve provided.
2. This is the amount you’ve invested in your Accumulation account. This calculator uses asset allocations as at 31/12/2020. Asset allocations vary depending on the Lifetime group you’re invested in. Your Lifetime group is calculated from the age and account balance you enter. You can find out more about our investment options.

The calculator doesn’t replace personal financial advice and you should seek specific professional advice prior to acting on any information. We also recommend you read our disclaimer.