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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.

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