NESS Super

Investment Options

Choose the investment that suits you

NESS Super offers seven investment options. You can choose to invest in one option or in any combination of options. If you don’t choose an investment option when you join NESS Super, your super will be invested in our default option, NESS MySuper.

Changing your investment choice

You can change your investment selections any time - as long as your account balance is at least $1,000 - by completing a NESS Super Change my Investment Choice FormOpens in new window or online through MemberAccessOpens in new window.

Understanding Risk & Return

When you choose an investment option for your super, you are making a choice about the level of risk you can tolerate in order to generate the sort of return that you need.

This is a very personal decision. It will depend on a range of factors including your retirement savings goal, your investment timeframe, your other investments and your level of comfort with the possibility of negative returns.

The essential thing to understand is that risk and return go together. Investments that are riskier over the short to medium term – because they are likely to generate unstable or negative returns – are likely to generate the strongest returns over the long term.

What is your risk profile?

Because your super is likely to be your major source of retirement income, it’s a good idea to think carefully about how you invest your super.

Knowing what sort of investor you are will help you choose the investment options that are right for you.

Super Investment OptionsOpens in new window     Member OutcomesOpens in new window    NESS MySuper Product DashboardOpens in new window

Asset allocation

Note: the performance of investment options is not guaranteed. The value will rise and fall due to the performance of investment markets.

Target net investment return

CPI plus at least 4% (after fees, costs and taxes) over a rolling 7-year period.

Investment timeframe

Long term.

Investment risk

High (no more than 5 negative returns over any 20 year period).

This option has a high level of risk. It invests predominantly in Australian and international shares, with the balance in property and diversified alternatives.

This investment has the highest long-term return expectation and is the highest risk strategy, producing very volatile returns over the short term.

It’s likely to suit members with a long-term investment timeframe.

Asset allocation

Note: the performance of investment options is not guaranteed. The value will rise and fall due to the performance of investment markets.

Target net investment return

CPI plus at least 1% (after fees, costs and taxes) over a rolling 3-year period.

Investment timeframe

Short to medium term.

Investment risk

Low to medium (no more than 2 negative returns over any 20-year period).

This option has a low to medium level of risk. It is a conservative investment that invests mainly in Australian and overseas fixed interest investments.

This is an investment with good security and potential for some growth.

It’s likely to suit members with a short to medium-term investment timeframe.

Asset allocation

Note: the performance of investment options is not guaranteed. The value will rise and fall due to the performance of investment markets.

Target net investment return

CPI plus at least 4% (after fees, costs and taxes) over a rolling 7-year period.

Investment timeframe

Long term.

Investment risk

High (no more than 6 negative returns over any 20 year period).

This option has a high level of risk. It invests exclusively in Australian shares.

This investment has the highest long-term return expectation and is the highest risk strategy, producing very volatile returns over the short term.

It’s likely to suit members with a long-term investment timeframe.

Asset allocation

Note: the performance of investment options is not guaranteed. The value will rise and fall due to the performance of investment markets.

Target net investment return

CPI plus at least 4% (after fees, costs and taxes) over a rolling 7-year period.

Investment timeframe

Long term.

Investment risk

High (no more than 6 negative returns over any 20 year period).

This option has a high level of risk. It invests exclusively in overseas shares.

This investment has the highest long-term return expectation and is the highest risk strategy, producing very volatile returns over the short term.

It’s likely to suit members with a long-term investment timeframe.

Asset allocation

Note: the performance of investment options is not guaranteed. The value will rise and fall due to the performance of investment markets.

Target net investment return

CPI plus at least 2% (after fees, costs and taxes) over a rolling 5-year period.

Investment timeframe

Medium to long-term.

Investment risk

Medium to high (no more than 3 negative returns over any 20 year period).

This option has a medium to high level of risk. It invests in direct and listed property.

This is an investment that is likely to provide higher long-term returns than the Stable option but with more volatility.

It’s likely to suit members with a medium to long-term investment timeframe.

Asset allocation

Note: the performance of investment options is not guaranteed. The value will rise and fall due to the performance of investment markets.

Target net investment return

In line with the UBS Australia Bank Bill Index (after fees, costs and taxes).

Investment timeframe

Short term.

Investment risk

Very low (no more than 0.5 years of negative returns over any 20 year period).

This option has a very low level of risk. It invests exclusively in cash investments.

This is an investment option with maximum security but low potential for growth after taking into account inflation.

It’s likely to suit members with a short investment timeframe.