One of the key advantages of superannuation is also seen as one of its key disadvantages. Many people complain that they can’t access their superannuation until they retire, but this rule also means that your super account’s investment earnings are reinvested regularly for a long time. Keeping your investment earnings in your super fund for 10, 20 or 30 years, or even longer, means you’re building a much bigger nest egg for your retirement than you could have achieved if you were able to withdraw your money at any time.
Set out in this beginner’s guide to super investing, is a brief outline of how investing works, and how your super fund invests. At the end of this article, we provide links to other SuperGuide articles that explain how super funds invest in more detail, and how you can choose or change investment options, and benchmark your super fund. We also provide links to the latest investment returns delivered by super funds, and the links to the top performing super funds.