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Home / Retiree / Managing super in retirement / How to invest your super in retirement

How to invest your super in retirement

Kate CrawfordKate Crawford

No matter whether you’re about to start your first super pension or you’re years down the road, selecting and maintaining the right mix of investments is essential.

A misstep could mean less retirement income, running out of savings too quickly or more risk than you’re comfortable with.

In a typical situation, up to 60% of the money you withdraw from super during your retirement comes from investment earnings you receive after stopping work. Choosing your investments wisely can stretch each dollar you saved for retirement further.

Learn more about the 10/30/60 rule.

Follow our simple guide to choosing and regularly reviewing the investments supporting your pension account.

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About the author

Kate Crawford
Kate Crawford
Kate has worked in the superannuation sector since 2003. Her experience ranges from customer service to financial advice, member education, complaints management, trustee services, and learning and development. She currently develops content and facilitates learning sessions for super professionals with the Association of Superannuation Funds (ASFA) as well as writing for SuperGuide.
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IMPORTANT: All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions. Comments provided by readers that may include information relating to tax, superannuation or other rules cannot be relied upon as advice. SuperGuide does not verify the information provided within comments from readers. Learn more

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Response

  1. ROSS YOUNG Avatar
    ROSS YOUNG

    don’t forget to check the cost – so called management expense ratio of the investment base you are considering. Typically the actively managed ‘high growth’ options are going to cost you a higher percentage of your investment. There’s a fair chance the returns will be more volatile and may do no better overall than a base that is more passively managed. You need to read the product disclosure info supplied by your super fund to get an understanding of how your money is going to be managed under the option you are thinking about, starting with whether managed in house or contracted to an external fund manager.

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