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Deciding where to invest

When it comes to investing for retirement, you have the option to choose your investment strategy. If you’ve decided to do so, the sort of strategy you will follow may depend on how long there is until you are planning to use the money in your Plan and how comfortable you are in taking some risk with your savings, as a way of increasing their growth potential.

First, let’s cover the basics

Investing basics

As you are an investor, you should ensure that you understand the basics about investing your savings: what is a fund, what are the benefits of diversification, and what is the relation between risk and return.

Learn more about investing

Check your current investments

You can check what investments you have in your Plan in PlanViewer. Go to ‘Plan Information’ and select ‘Plan Overview’ for a list of the funds in your account. If you click on a fund name, you’ll be taken to its factsheet, where you can see all the important information you need about this fund.

Check your investments now

Are you saving enough?

Before you start choosing your investment strategy, it’s a good idea to ask yourself if you’re saving enough to make sure you are on track to meet your individual goals. Our guidelines can help you understand how much you need to save each year to enjoy a comfortable retirement.

An overview of investment strategies

Having a basic investment strategy can be good foundation for choosing funds for your retirement savings – it can help you focus on the types of funds you might want to choose. Remember, you don’t have to stick to the same strategy throughout your lifetime. In fact, it’s a good idea to regularly review your investments and goals and decide if it’s time to re-align your strategy.

A growth strategy
A balanced strategy
A conservative strategy

Important information – None of the information above is a personal recommendation for any particular investment or course of action and it’s important to remember that the value of investments can go down as well as up, so you may get back less than you invest.

If you are unsure about whether your investments are suitable for your circumstances, or you need advice on any of the options available to you, we recommend that you speak to an authorised financial adviser.

Want to change your investments?

Log in to PlanViewer to make changes to the funds you’re invested in.