Investment philosophy
Guiding the way we invest your super savings.
Our investment philosophy guides the way we invest your super savings. As a CareSuper member, you benefit from our dual investment approach. We actively manage your super, taking advantage when markets rise. But we also protect your super during volatile times. The result? A smoother ride to your life after work.
Key pillars of our investment philosophy
Our investment strategy transcends short-term trends
We don’t get distracted by short-term market events. In fact, we’re always looking to your future. We’re here to give you real growth over time, so you can enjoy years of income from your super.
We actively manage investments
We search for the best investment opportunities in Australia and overseas. And we add extra value by choosing specialised investments that we believe have potential to outperform the market. Not every super fund can do this, but our size means we can secure prime investments, as well as niche opportunities. All of this means we strive to add to your return and reduce risk. We put our historically strong returns* down to our active management approach.
We diversify your super
The best defence against unpredictable investment markets? Diversification. We spread our investments in the Pre-mixed options across a mix of asset classes, so your returns don't rely on a single asset class performing well all the time.
Explore how CareSuper's investment options give you diversification across and within asset classes.
We protect your savings
There will be ups and downs in the performance of your super over time. What matters most is how we prepare for these changes. We employ strategies that aim to minimise the impact of negative returns when the market falls. This approach is called ‘downside protection’. Protecting against downside risk means we’re better prepared for market downturns, helping you feel more confident about recovering losses.
Responsible investing forms part of our investment approach
We believe that incorporating financially material environmental, social and governance (ESG) considerations into investment decision-making can help better manage risk and contribute to stronger investment returns in certain circumstances for our members. Furthermore, we believe that stewardship can assist with the careful and responsible management of our members' capital.
*Past performance isn’t necessarily an indication of future returns. The value of investments can rise or fall, and investment returns can be positive or negative.
