UniSteps uses three of the base investment options below – Growth, Balanced and Conservative – to transition your savings from predominantly growth assets to predominantly income assets over time. The investment mix changes on 1 November each year, not on your birthday or the anniversary of the date you joined UniSaver.
UniSteps is the default investment option if you don’t tell us how you would like your savings invested when you join UniSaver. We can change the default investment option from time to time.
Other investment options
If you prefer, you can create your own mix of growth and income assets by choosing one or a combination of four base investment options made up of growth and income assets mixed in different amounts. These options are Growth, Balanced, Conservative and Cash. You can choose to invest your savings in one option, or a combination of, the four options. Remember, if you put 50% in Growth and 50% in Conservative, you are effectively investing in Balanced. You can see how different combinations of the options look on the secure part of the website. Log in, select ‘Your investments’ and then the ‘Investment choice planner’ link. You can also choose different options for your existing account balances and for future contributions. You cannot mix and match between UniSteps and the four base options.