For some of us, super is simply the portion of our salary that our employer sends away each payday.

Unlike other investments like shares or property, where an investor could regularly make active, detailed choices about where they want their money invested, super can seem distant for some people.

After all, you can’t touch it until you retire and your fund handles it all for you, right?

While it’s true that you might have less hands-on input with your super than other investment avenues, super is far from set-and-forget.

You can still play an active role in how your super grows through something called investment choice.

Investment choice means you can pick which investment option – or combination of options – you want us to invest your money in on your behalf.

Each option is generally composed of a certain type of asset, or a particular mix of assets. Each option carries with it a different level of risk and potential for reward.

The assets your super is invested in depends on the option you choose.

Qantas Super's investment options

We have a range of tailored investment options for you to choose from, helping you invest your super to match your needs and lifestyle goals.

Glidepath

Glidepath is an automated investment option that lets you take a back seat and put your super on autopilot.

Your super is invested across four stages – Take-off, Altitude, Cruising, and Destination – based on your year of birth, with Glidepath automatically adjusting your growth and risk profile over time.

When you’re younger and have a longer investment timeframe, Glidepath will expose you to more higher risk, growth assets, and fewer lower risk, defensive assets. This is because you have a longer time to retirement, and therefore have time to weather a downturn in the market.

As you get older and move through Glidepath, your super will be invested in more defensive assets and fewer growth assets.

It’s important to remember that Glidepath doesn’t take into consideration your personal needs and circumstances. It’s been developed based on our assessment of the investment needs of a typical Qantas Super accumulation member, aiming to provide a comfortable1 level of income in retirement.

If you don’t make an investment choice when joining Qantas Super, your account will be invested in Glidepath.

1The Association of Superannuation Funds of Australia Ltd (ASFA) Retirement Standard benchmarks the annual budget needed by Australians to fund either a comfortable or modest standard of living in the post-work years.

Individual investment options

Aggressive

For members with a time horizon on at least 10 years, who want their money invested mostly in growth assets, with a high degree of risk

Growth

For members with a time horizon of at least seven years, who want to achieve high returns through exposure to growth assets, with a medium to high degree of risk

Balanced

For members with a time horizon of at least five years, who want their investments balanced between growth and defensive assets, with a medium degree of risk

Conservative

For members with a time horizon of at least three years, who want stable, modest returns, with a low to medium degree of risk

Cash

For members who want exposure to cash and short-term money market returns, with a very low degree of risk

What are you investing?

Along with your investment timeframe, sometimes called your investment horizon, another factor you may want to consider when looking at investment options is what portion of your super you want to invest in which option.

You can choose which investment options apply to your:

Current account balance

You can specify how much to invest in each option by dollar amounts, or by whole percentages

Future contributions

Your future contributions include contributions from your employer, and any roll-ins, regular or one-off contributions you may make. You can specify how much to invest in each option by whole percentages

What's your risk profile?

When thinking about which investment option/s may be right for you, it’s important to consider your risk profile, or how much risk you’re prepared to take for potential reward.

In general, higher risk investments, such as shares, have the potential to generate higher returns over the long term – however the value of your investment in the shares can fluctuate greatly over the short term. While this is the nature of the market, seeing these fluctuations in value over the short term can make some investors nervous.

Meanwhile, investments that carry lower risk, such as cash, generally offer lower returns. The trade-off is that these types of investments generally always hold steady, providing a sense of security or reassurance for investors who may be uncomfortable with risk, or have a shorter investment horizon.

ASIC’s MoneySmart has a handy chart to help you start thinking about your personal attitudes to risk:

Simple steps to set up your super

What to look for in your new super fund

Starting a new job is an exciting time, full of new things to see and do: there are new processes to learn, new colleagues to befriend and, potentially, a new super fund to choose.

The benefits of combining your super

You’ve probably heard, at one point or another over the last couple of years, about combining or consolidating your super.

How to start taking advantage of your super

There’s actually a lot you can do with your super before you retire – and the day you open an account in your new super fund is the perfect time to start making the most of it.

What's the point of Super Advice?

Whether you’re just starting out in your career, you’re winding down at work, or you’ve already set out on your retirement adventures, there’s never a bad time to seek advice.

Review your options

You can easily review your current investment options and make a switch by logging into your account.

We're here to help

If you need help with making a decision about your super, you can get simple advice over the phone or face to face. It’s included as a part of your membership so there’s no extra cost.