understanding risk and return

Understanding investment risk is one of the keys to successfully managing your superannuation savings.

Before you consider changing your Member Investment Choice option, it is important that you understand the risks that can affect your investment.

Health Super’s nine Member Investment Choice options:

• invest across different asset classes
• carry different levels of risk
• produce different levels of returns over time

The graph below provides an estimate of the risk relative to the expected return for Health Super’s investment options.

 

 

 

 

how Health Super manages risk – to help protect your investments

Health Super cannot eliminate all investment risks. It manages the impact of these risks by carefully adhering to considered investment guidelines. Asset and investment manager diversification is exercised within each investment option and Health Super’s investment portfolio, to help reduce the impact of risk and unexpected short-term movements in returns. When you invest in any superannuation fund, you rely on the quality of its personnel and systems to manage your superannuation savings. If key personnel leave or administration systems fail, your investment may be adversely affected.

Health Super has a Risk Management Plan to help manage this risk for Health Super. Health Super’s Risk Management Plan is available on request by contacting our Superline Freecall on 1800 331 719. 

want to know more?

To find out more about the type of risks that affect your investments (like market risks, currency risks) download Health Super’s current Product Disclosure Statement.

 

important: You should carefully consider all risks before making an investment decision. You should also consider your own personal circumstances (including financial and taxation issues). This section is intended as a guide only and Health Super recommends that you seek professional financial advice.