A quick guide to smartMonday’s investment options
29 July 2022
We offer a number of investment options for our members across different risk levels and investment types, explains Ed Tomlinson.
From dedicated options in Australian shares to low-risk options designed to preserve what you have, smartMonday caters to a broad range of tastes in its investment choices for members.
The customary superannuation investment strategy is to accept higher risk early on in your working life that typically generates higher returns, and lower risk as you move toward retirement to preserve your balance in the event of a market downturn.
That’s because it’s easier for younger members to overcome any losses that riskier investments could generate, just as they could benefit from any higher returns. While older members, who may already depend on their superannuation, may not want to put it at risk and preserve what they have.
We broadly categorise our investment options into MySuper, pre-mix choices and sector choices, which are outlined below. We also list exactly what each option invests in if you’d like to know.