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What are your investment options?

October 2020

Article |  2-minute read

Getting the balance right with investments.

Investing is about helping your money grow – generating more from the wealth you have.

But it’s also about achieving what you want from life, whether it’s paying off your family home, giving a great education to your kids, or enjoying a comfortable retirement.

The sooner you start investing, the greater your potential for larger returns, as your money has longer to grow. 

You can manage your own investments, or leave it to the experts, whichever you prefer.

There are lots of different ways to invest, the key is creating a portfolio that’s right for you. 

Generally, you’ll have a mix of both defensive and growth assets, depending on their levels of potential return and risk. But the weightings you choose will depend on how long you have to invest and how much risk you're willing to take. 

Superannuation isn’t actually an asset itself – it’s a tax-efficient vehicle for investing in other assets. 

Find out more about investing through super

Your investment options


Share in the ownership of an Australian or international company, with higher potential for capital growth and dividend income, and higher potential risk.


Fixed Interest

Earn income at a fixed rate of return, but with limited potential for capital growth – for example, through government bonds.



Own property directly, or invest through a listed property fund, with the potential for both capital growth and rental income.



Earn interest on your money, with your capital often fully guaranteed, with the trade-off of lower returns and the risk of inflation exceeding the earnings and buying power of your cash.

Questions to ask yourself before investing

What is it you really want?

Wealth shouldn’t be just about how much money you have – it’s about having the freedom to live the life you choose.Depending on your goals, your investment strategy can help you grow your money, earn a regular income from dividends and/or minimise the tax you pay.

How long do you have?

The more time your money’s invested, the longer it has to grow. But depending on your goals, you may have a longer or shorter timeframe in mind. If you’re investing for the long term, you can generally afford to take more risk, riding out dips in the market, with the potential of greater long-term growth. But if you need your money sooner, a lower risk strategy can help protect your investment from market fluctuations.

How much risk do you want to take?

No-one likes to see their investments lose money – but generally, their value will go up and down over time. So it’s important to understand how much risk you’re prepared to take when building your investment portfolio. There’s no right or wrong level of risk – it depends on your attitude and goals. 

What’s your situation?

Every investor is different, and where you are in life will influence your investment decisions and goals. For example, your age, marital status, income and tax situation will all play a part in the investment strategy you choose.

ANZ's Financial Advisers can work with you to develop a plan as unique as you are to build your wealth. At ANZ, we are committed to helping Australians achieve their life goals and improve their financial wellbeing. Find out more and book an appointment

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The views and opinions expressed are those of the author only and do not necessarily state or reflect those of ANZ. The information provided is general in nature only and does not take into account your personal objectives, financial situation or needs. Please consider its appropriateness to you before making any investment decisions. Past performance is not an indication of future performance. Any case studies are shown for illustrative purposes only, and are not a prediction of the actual outcomes you will achieve. ANZ recommends that you read the applicable Product Disclosure Statement or offer documentation and consider its appropriateness to you prior to making a decision to acquire or hold a financial product. Any investment is subject to investment risk, including possible repayment delays and loss of income and principal invested. Returns can go up and down. Information is current as at the date articles are written as specified within but is subject to change. ANZ and its related entities make no representation as to the accuracy or completeness of the information.