skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

What are your investment options?


Published 9 October 2018

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 saving for a home deposit, 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

Shares

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.

 

Property

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

 

Cash 

Earn interest on your money, with your capital often fully guaranteed, with the trade-off of lower returns.

 

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 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.

Start securing your financial future

1800 626 855

Mon-Fri 8am to 8pm (AEST) 

Learn more about financial advice

Article

Beware the girls' financial crisis
 

Single women in their 60s have the highest poverty rate in Australia. Read five key reasons to care about your financial health.   

Article

How Maggie managed her lotto win
 

How would you deal with sudden wealth? Maggie Kerr couldn’t believe her luck when her Lotto numbers came up. Read her story.   

The ANZ Share Investing service is provided by CMC Markets Stockbroking Limited ABN 69 081 002 851 AFSL 246381 (CMC Markets Stockbroking), a Participant of the Australian Securities Exchange (ASX Group), Sydney Stock Exchange (SSX) and Chi-X Australia (Chi-X) at the request of Australia and New Zealand Banking Group Limited ABN 11 005 357 522 (ANZ). Disclosure documents relating to ANZ Share Investing products and services are available on anzshareinvesting.com or by calling us on 1300 658 355 . ANZ is the issuer of the ANZ Cash Investment Account and ANZ V2 PLUS Account. The obligations of CMC Markets Stockbroking are not guaranteed by ANZ. CMC Markets Stockbroking and ANZ are not representatives of each other.

The research on ANZ Share Investing’s website is sourced from companies independent of ANZ Share Investing. We therefore do not endorse any opinion or recommendation of our panel of independent analysts.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available at www.anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

The information and any advice on this website has been prepared without taking account of your objectives, financial situation or needs. Before acting upon any advice, you should consider whether it is appropriate for you.