SUPERS033 How to get the balance right in your superannuation investment settings (679 words)

Have you checked your superannuation investment settings recently? This article explains why you should do so, and how your personal financial circumstances should affect your choices.

It can be tempting to treat superannuation as a ‘set and forget’ investment. In most years, your annual statement will show what appears to be a satisfactory growth rate, so why tamper with something that seems to be working reasonably well? However, depending on your age and goals, your superannuation fund account could have a more suitable mix of investments.

Put simply, you need an appropriate blend – for your particular circumstances – of growth potential and defensive security.