FirstChoice Lifestage is a smart investment option that changes with you throughout your working life. Rather than a fixed investment strategy, FirstChoice Lifestage adjusts your investment mix as you get older, so your investment strategy automatically matches your age.
When you are younger with more time to ride out the ups and downs of investment markets, more of your super will be invested in growth assets, such as property and shares. These assets have a greater potential to deliver higher returns and grow your retirement savings above inflation.
As retirement gets closer, you have less time to recover from any short term losses, so more of your super will be invested in defensive assets, such as cash and fixed interest, to provide greater stability.
The good news is this happens automatically. So even if you don't actively manage your super, your super will manage itself.
To find out which FirstChoice Lifestage option is designed for
someone your age, simply enter your year of birth in the box below
and click the show me how it works button.
Move the slider to see how your investment will gradually change
as you move closer to retirement.
Defensive assets generally carry a lower level of risk and are less volatile over periods of time. These assets include fixed interest and cash to provide greater security.
Growth assets generally provide stronger returns over the long term but may involve more risk and may fluctuate in value over periods of time. These assets include shares, property and infrastructure securities.