No matter what stage of life you're in, HESTA's flexible investment options can help you reach your super goals.
Whether you're a new or an experienced investor, we're here to make it easier to choose an investment option that can help fund the retirement lifestyle you want.
Each option has its own aims, strategies and level of risk and expected return, which can affect your final retirement benefit. Risk simply means the chance that the actual investment return (amount of money earned on your investment) will be different (higher or lower) from the expected investment return.
All investments can have both high and low risk tendencies and returns can be negative, so it's important to take a long-term view when making your choice.
One way to lower your investment risk is to diversity (spread) your investments across different asset classes. Many of our Ready-Made Investment Pools are diversified.
What are your investment options with HESTA?
You can decide how much control you want over your investments with HESTA.
Option 1: Let Core Pool do the work for you (our default investment option).
If you don't make a choice, all your super will automatically be invested in HESTA's default option, Core Pool. This is HESTA's balanced option; if you're happy with this option you don't need to make a different choice (but remember to review your investments regularly). Your money will stay in Core Pool unless you decide to change.
Option 2: Choose one of our designs (Ready-Made Investment Pools).
You can choose from six professionally managed Ready-Made Investment Pools, each with a different performance goal and asset mix.
Option 3: Design your own Your Choice (YC) option.
If you prefer to design your own asset mix, you can choose how much you want invested in one or more of HESTA's eight Your Choice Asset Classes.
Option 4: Mix and match.
You can mix and match any combination of Your Choice Asset Classes and Ready-Made Investment Pools.
HESTA's Superannuation Advisers
HESTA encourages you to consider seeking professional financial advice to help you choose an investment option that suits your personal circumstances. One of your membership benefits is access to free personal advice about your super, including your investment choice, from HESTA Superannuation Adviser in your state or territory.
HESTA is able to provide general and personal advice about HESTA and its features including investment choice, insurance, extra contributions and rolling other accounts into HESTA. However, if you want broader personal advice that takes into account products other than super, you are encouraged to contact a person or organisation licensed to provide personal advice as an Australian Financial Services Licensee or representative. HESTA members can access commission-free broader financial planning advice through Industry Fund Financial Planning (IFFP). Your employer must not give advice about HESTA or recommend any other financial product unless licensed to do so.