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Understanding why your balance moves up and down

We’re living in uncertain times, which is causing volatility in investment markets. This can cause your super balance to go up and down. While volatility can be alarming, it’s important to remember that markets have always fluctuated. Super is a long-term investment, which means it’s designed to weather all the ups and downs that come along over the years.

The importance of diversification

Most members have a mix of assets in their super. This is important because each type of asset responds differently to market fluctuations – for example when share market are down, fixed interest investments may be up. Diversifying how your money is invested is an important strategy for managing volatility in your portfolio. It will help soften the impact of falls in individual markets and make your super less reliant on the performance of one particular asset class.

You can check how your super is invested by logging on to FirstNet or the Colonial First State app, or by checking your statement. If you want to change the amount of diversification in your super portfolio, we recommend speaking to your financial adviser first.

What this means for you

How we can help

We’re here to provide you with the support you need, when you need it. Our team is available to answer any questions you have about your super, or how to access your account, and we can point you in the right direction if you need helping finding a financial adviser.


We’ll continue providing you with the latest information about the markets and your super so you can make informed financial decisions. More than anything, our aim is to help you increase your financial wellbeing and achieve your long-term retirement goals. 

Speak to us

Find information on our available funds including returns, historical performance and unit prices.

Download our app

Keep an eye on your super by downloading the new Colonial First State mobile app from the App Store or Google Play.

Find an adviser

If you don’t have an adviser, we can help you find one here.

Learn more about super

Get tips and insights from our super articles or by visiting the government’s MoneySmart website.

Access your statements

Log into FirstNet to check your super balance and make changes to your account.

Check how your super is tracking

Use our online calculator to estimate how much money you might have when you retire.


Colonial First State Investments Limited ABN 98 002 348 352, AFS Licence 232468 (CFSIL) is the issuer of interests in FirstChoice Personal Super, FirstChoice Wholesale Personal Super, FirstChoice Pension, FirstChoice Wholesale Pension, FirstChoice Employer Super offered from the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557. It also issues interests in the Rollover & Superannuation Fund (ROSCO) and Personal Pension Plan (PPP) offered from the Colonial First State Rollover & Superannuation Fund ABN 88 854 638 840. CFSIL also issues interests in products made available under FirstChoice Investments and FirstChoice Wholesale Investments. This document may include general advice but does not take into account your individual objectives, financial situation or needs. Target Market Determinations (TMD) for our financial products can be found at and include a description of who a financial product is appropriate for. You should read the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) carefully and assess whether the information is appropriate for you and consider talking to a financial adviser before making an investment decision. The PDS and FSG can be obtained from or by calling us on 13 13 36.