29 September 2021
The choices you make for your superannuation investments today can make a difference to your future lifestyle in retirement. When choosing an investment option, three of the most important factors to consider are:
If your timeframe to retirement is long, generally you can afford to take more risk and potentially benefit from higher investment returns. If your timeframe is shorter, you may need to reduce your risk and potentially receive lower returns.
Knowing the level of risk that you’re prepared to accept will help you decide which investment option is best for you.
Your tolerance for risk is also known as your risk profile, and it is different for everyone.
To learn more about yours, try our Investment risk profiler.
Our investment options are described in the Investment Choice Guide (available for different accounts at PDS and Guides). The guide includes details about each option’s investment aims, types of assets that are being invested in, and the risk levels.
Investment options consist of one or more types of assets such as shares, bonds, property and infrastructure, which are known as asset classes. Each option has a different level of risk, dependent on the assets that are being investing in.
Investment options are classified as conservative, growth or balanced.
LGIAsuper offers you a choice of how you want your savings invested. We have a wide range of investment options to cater for different financial situations and goals.
You can build your own investment strategy or choose from one of our ready-made options.
Investment options can be changed at any time. This is known as investment switching. We urge members to seek financial advice before making decisions about investment options
a. Ready-made options
Our Ready-made investment options are a combination of asset classes – we sometimes refer to these as diversified options.
b. Single Asset Class options
We have investment options consisting of one type of asset class. These options can be mixed and matched to build your own investment strategy.
c. Socially Responsible options
We offer two Socially Responsible (SR) investment options for members seeking investments made with environmental, social and governance factors considered when investing:
Deciding on the best investment approach can be difficult. Our financial advice service* can help you plan for a better financial future.
LGIAsuper members can receive limited advice on a single topic related to superannuation, at no additional cost. More comprehensive financial advice is also available, for which fees will vary.
Call us on 1800 444 396 to discuss a financial advice option that suits you best.
Further information about our investments options is available at:
* LGIAsuper has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195 AFSL No 232514 to facilitate the provision of financial advice to members of LGIAsuper. LGIAsuper Financial Advisers are Authorised Representatives of IFS. Additionally, LGIAsuper has also engaged Link Advice Pty Limited ABN 36 105 811 336, AFSL 258145 to provide LGIAsuper members with access to limited personal advice over the phone in respect to LGIAsuper products.