Choosing the right option for you
Finding the right option will depend on your particular needs and circumstances. Here are a few things to consider:
What is your risk profile?
Your investment choices should align with your financial objectives, your age, years to retirement and the degree of uncertainty you are prepared to accept, such as the possibility of a negative investment return. You can learn more about risk tolerance on the Moneysmart website or by talking to a financial adviser.
What is in the PDS?
The product disclosure statement (PDS) contains valuable information about a fund’s objectives, investments, management fees, and potential risks associated with any investment.
What are the long-term returns?
Because of fluctuation and volatility in financial markets, past performance is not a guarantee of future performance. Looking at long-term performance of a fund can offer additional insights into the growth potential and structure of a fund.
Who can I talk to?
A financial adviser has the knowledge, skills and experience in helping people understand their investment needs and options at different stages of their life. They can review your investment portfolio and suggest changes to better align with your circumstances – and offer clarity in the sometimes confusing world of investing. Learn more about the benefits of financial advice or find an adviser near you.
You can also call CFS on 13 13 36, Monday to Friday, 8:30am to 6pm (Sydney time).