Default investment strategy

Designed to adapt to your stage in life, our default investment strategy helps you get the most from your super

A strategy for your future

We want to make super easy for you, so if you don't want to choose your investment option, your super will automatically be invested using our Default Strategy.

It’s quite simple: we’ll invest your super into a suitable MySuper investment option, according to your age.

Before you turn 51, we will invest your super into our Aggressive MySuper option, then gradually move your super to our Balanced MySuper option.

How our default strategy works

For example

If you are 47 years old, with 100% of your super invested in the Aggressive option, the default strategy would make the following changes:

  • When you turn 51, we will switch 1/3 of your money from the Aggressive option to the Balanced option.
     
  • When you turn 52, we will switch 1/2 of the remaining money from the Aggressive option to the Balanced option.
     
  • When you turn 53, we will switch the remaining funds you have in the Aggressive option to the Balanced option. All your money will then be invested in the Balanced option.

The switches between MySuper investment options through the Default Strategy will happen automatically, within 3 months of each relevant birthday. Just as your account balance is transitioned from one investment option to another, any contributions received will be allocated to the Aggressive and/or Balanced option(s) proportionally according to your age. You can opt into or out of the Default Strategy at any time.

What is MySuper

Since 1 January 2014, employers have been required to make Superannuation Guarantee (SG) contributions into an authorised MySuper product on behalf of members who have not made an investment choice with their super.

Catholic Super is authorised by the Australian Prudential Regulation Authority (APRA) to offer our Aggressive and Balanced investment options as our MySuper investment options. 

We're here to help

We can help guide you if you have any questions about our default investment strategy.