Invest­ments

Where is my money?

Short answer, it depends on your balance

When your balance is below $1,500 your account will be invested in our Cash investment option.
When your balance is between $1,500 and $4,999 your account will be invested in our Growth investment option.
When your balance is above $5,000, you can choose to invest in the Balanced, Growth or the High Growth investment option. If you don't choose, you will stay in the Growth investment option.
Learn more about each investment option in the PDS.

How is my money invested?

Student Super invests your money with the help of professional investment managers.
Once your balance is above $1,500, your money is invested using a diversified, low cost index investment strategy.

What is index investing?

There are two broad ways to invest:
  • Active investing

    This involves hiring a team of managers to pick which specific companies on the stock market (or other investments) will do better than others.
  • Index investing

    A share index is made up of a large group of shares. Index investing involves using technology to buy a little bit of many companies in proportion to their share of the market or index.
We chose index investing – so you own a little bit of many companies and then rely on the long term growth of the market to deliver you a return.
This strategy is more diversified than the first. And, because you don't need a team of stock pickers, it is also lower cost.