Pre-mixed investment options

Pre-mixed investment options

Super funds make investments depending on the different levels of risk chosen.

There are 5 types of pre-set investment options which you can choose for your superfund. Remember that if you want more control and flexibility, opting for a SMSF option might be ideal for you.


  • 85% shares or property and 15% fixed interest or cash (can also be 100% shares or property)
  • Expect higher average returns (with risk of higher losses)


  • 70% shares or property and 30% fixed interest or cash (can also be 50-50)
  • Expect reasonable returns with reduced risk compared to ‘Growth’


  • 30% shares or property and 70% fixed interest or cash
  • Expect lower returns due to much lower risk


  • 100% in deposits with Australian deposit-taking institutions
  • Expect accumulation of interest over the years – no losses incurred


  • Invest only in ethical companies i.e. companies that meet environmental, social and governance standards
  • Investment, risk and return can sit anywhere on the spectrum

Make your investment choice based on how much risk you are willing to take. If you feel comfortable taking greater risks with your super because you have other investments you can rely on, then the growth option might be good for you. However, if you are relying on your super to fund your retirement, then the balanced approach might be more appropriate.


If you believe the matters discussed above are relevant to your business, please contact Darren Smith of our office to discuss further.

Darren is a Chartered Accountant with extensive experience, including working in the big 4 and medium sized firms before becoming a partner of a city based firm in 2000.

He has gained much experience and has extensive knowledge in providing business and taxation advice, superannuation planning, negotiation of sales and acquisitions of businesses and property development. His client base covers a wide range of industry groups.

Darren works with business owners to grow their businesses and create personal wealth within and outside of their business.

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