Member Investment Choice
If you have an AvSuper accumulation or income stream account, you can choose how your super savings are invested. This gives you the ability to influence your investment risk to suit your needs and situation.
You can even have your existing and future contributions invested the same way or differently - the choice is yours!
There are seven investment options to choose from, and you can choose more than one investment option for your money if you prefer.
- Australian Shares investment option
- International Shares investment option
- High Growth investment option
- Growth investment option
- Stable Growth investment option
- Conservative Growth investment option
- Cash investment option
The best option for you will depend on your investment objectives, your investment timeframe, your age, your attitude to investment risk and your personal circumstances. We recommend you read our Member Investment Choice (MIC) Guide and consider the options carefully. AvSuper provides members with financial advice and planning assistance through our Member Advice Solution to help you with your choice.
If you don't make an investment choice, your money will be invested in the Growth option by default.
How does member investment choice work?
The balance of your accumulation or income stream account is allocated a number of units. Your number of units will increase or decrease as your balance changes with contributions and withdrawals.
Each investment option has a unit price that is set weekly to reflect investment earnings and changes in the market.
As AvSuper's investments increase in value the unit price goes up and conversely if they decrease in value, the unit price goes down. Your account will either increase or decrease in value on a weekly basis.
The degree of fluctuation will depend on the investment option(s) you select and their performance. The same unit price is used for buying units (when contributions are received) and selling units (when benefits are paid).
Defined Benefit Members
AvSuper's defined benefit category is employer sponsored and your account balance is based on a multiple of your final average salary (FAS). As such, defined benefit members do not have investment choice.