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your super

your super


Wondering how investing and superannuation work together? Our team explains.

  • Super helps you save for retirement, but it’s not like a savings account. While savings can grow through regular contributions and interest on your account, super grows differently.


    It grows not only through regular contributions, but by investing your money into a portfolio of assets, which may mean your balance can fluctuate over time. By investing your super, your super fund works to generate returns from those assets to help increase the amount of savings you have when you reach retirement – making your super an investment in itself.


    Wherever you stand on investments and super, we’re here to help you get to where you need to be. Click through for a more detailed explanation of how investing for super works.

Simply put, superannuation is a way for you to save for retirement

However, super works differently to a savings account. While your savings can grow through regular deposits and a little bit of interest over time, your super fund grows not only through regular contributions, but by having those funds invested into a diversified portfolio of assets – all managed by investment professionals who review market conditions to make informed investment decisions.

Investing in your super can have a number of benefits

As the cost of living increases, inflation can erode away the buying power of your money and the value of your retirement savings. However, investing your super is one way to keep your retirement savings ahead of inflation. That’s because the value of certain investments (like shares) have trended higher over time. Super can also be a tax-effective way of saving for the long term, as it has a lower tax rate for the money that goes in (within annual limits) and on the earnings your money makes.

There are many super fund options to choose from

Depending on your life stage and personal objectives, there is a wide range of super fund options available – from high-growth options that invest in riskier growth assets like property or shares, to conservative options that invest in more defensive assets like cash or fixed interest. Colonial First State has a wide range of super fund options as well as a wide range of investment options to invest your super, offering an array of choices to help you grow wealth for retirement.

This also means you’re in the driver’s seat of your financial future

Super is not a set-and-forget scheme. While your super fund is managed by investment managers on your behalf, it can be important to review your super fund and its investment strategy to ensure it aligns with your risk tolerance and needs for your particular life stage. For example, a younger person with decades to retirement will likely have different needs to a retiree, meaning their super funds could comprise a different mixture of investments.

How does Colonial First State invest?

The Colonial First State Investments team undertakes thorough market research and a comprehensive investment manager review – ensuring all investment options are not only appropriately allocated, but that they are managed by professionals who aim to meet specific investment objectives set out by the team. In alignment with these objectives, each manager skilfully reviews market conditions to make informed decisions about how the money they each manage should be invested.

Colonial First State can help

With an expansive range of investment and superannuation options, Colonial First State has been able to support more than 1 million Australians with their superannuation, investment and retirement needs. Learn more about how we can help you on your wealth-creation journey today.

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.