Super Position yourself for maximum benefit For many, superannuation is a set-and-forget investment. But unless you actively set your super investment strategy to suit your personal circumstances, you may not be making the most of this attractive investment vehicle. You’ve worked hard to make money and a higher return over this period by investing For those who sat tight and left their get yourself established financially, so it in an aggressive or growth portfolio. superannuation alone during the global goes without saying that any investments financial crisis, the slight recovery and Someone aged in their early fifties with you make would be carefully considered. positive returns are the reward for being a large super balance may be interested This consideration process usually involves patient, sticking with their strategy in protecting their capital, rather than researching the types of investments and not reacting emotionally to falls in achieving high growth, and thus invest in a available, the level of risk involved and the investment markets. more conservative portfolio. Alternatively, investment timeframe. if that same person had a smaller super While the global financial crisis drove the But do you pay this much consideration to balance and had a shorter investment average super fund in Australia down by your investments within superannuation? timeframe, they may make the choice to around 27 per cent, research by Chant West Unless you’re getting close to retirement, take on more risk in order to achieve the has shown that the average super fund has superannuation can often be a low potential returns needed to satisfy their grown by more than 18 per cent during the priority. With many super funds allowing requirements in retirement. past seven months. So while there is a little flexibility in their investment portfolios, it’s way to go before returns are on par with worthwhile ensuring the portfolio you are Positioning yourself for pre-GFC levels, there are promising signs. invested in suits your needs. It can make opportunities The point is that, in light of the slight a big difference in the long term if you A number of super fund members have recovery in investment markets and balance your risk tolerance against potential taken evasive action during the global positive signs in the economic outlook, investment returns. financial crisis and changed their portfolios it’s important that you are well positioned Obviously your life stage, financial and to cash or conservative investment options. to take advantage of and maximise any lifestyle goals play a part here. Someone Depending on their circumstances, many of opportunities that are available. who is 30 and potentially has another these people could have missed out on any gains experienced over the past few months Super is a generally a long term investment 30 years in the workforce has a long and into the future. and with the flexibility that is available, it’s investment timeframe, so may be willing to worth taking the time to make sure that accept a higher level of risk and thus achieve your super strategy is the best one for you. 08306-11-09P 1 Genesys Wealth Advisers Ltd ABN 20 060 778 216 Australian Financial Services Licence No. 232686 Principal member of the FPA www.genesyswealth.com.au Important information The information in this article is provided for illustrative purposes only and does not take into consideration your personal circumstances. You are encouraged to seek financial advice suitable to your circumstances to avoid a decision that is not appropriate. Any reference to your actual circumstances is coincidental. Genesys and its representatives receive fees and brokerage from the provision of financial advice or placement of financial products.