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How do I choose an investment option?

With so many options available for investing, how can you know what to choose?

When it comes to choosing an investment option when you join a super fund, there are several key questions you should ask yourself:

  • Do I understand how asset classes work?
  • What is my level of comfort with risk?
  • What type of returns am I looking for?
  • How long is my investment timeframe?


All investments are designed to make a return and are subject to different levels of risk, depending on the asset class. This means that as well as making money, there's also a chance that you could lose it. You might also think of risk as the possibility that your investments don't achieve your financial objectives. As a general rule, the bigger the potential investment return, the higher the investment risk and the longer the suggested investment timeframe.


Consider your age when determining how long you expect your money to remain invested (that is, your investment timeframe). This will help determine the most appropriate investment mix and asset allocation for your circumstances. If you are young, you may be able to invest your money for longer, and can therefore weather the short-term fluctuations that can occur when investing in higher-risk options such as shares. If you are older and need to access your money sooner, it may be more appropriate to protect your money by investing in lower-risk options such as fixed interest.


With so many options available, knowing what to choose may feel overwhelming. While your fund can explain the different investment options available to you, speaking to a financial adviser can help you choose options that may suit your personal circumstances and financial objectives.

Learn more about investments

Our team is dedicated to helping you nurture your knowledge. You can learn more by accessing timely market updates and a broad range of investment resources on our website.

Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (CFSIL) is the issuer of the FirstChoice range of super and pension products from the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557. 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. The 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, 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.