Change your investment choice

You can change your investment choice (future contributions and/or current account balances) online at any time. You can also download a form or phone the helpline. Your change will take effect from the first day of the next month. Submit your application at least five working days before the end of the month. 

There is no charge the first time you change your investment choice each calendar year. A fee applies for subsequent changes to your current account balances.

Remember, you can switch to UniSteps or one or a combination of the four base investment options: Growth, Balanced, Conservative and Cash.

Switching from UniSteps or between the four base options

You can choose different strategies for your current account balances and for future contributions. 

Switching to UniSteps

You can’t mix and match between ‘UniSteps’ and the four base options. You must choose ‘UniSteps’ for both your current account balances and future contributions if you are switching to UniSteps from Growth, Balanced, Conservative and/or Cash. 

Timing

Any change you make to your future contributions will take effect from the beginning of the month following your request. The change will be visible on the ‘Investments’ page when you sign into your account as soon as it’s processed, usually within a few days.

Any change you make to how your current account balances are invested will also take effect from the beginning of the month following your request. However, the change won’t be visible when you sign into your account until after the interest rates are loaded for that prior month – usually about the 20th of the month following your request. 

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