When choosing a superannuation fund, it can be easy to tick the boxes on the form and set and forget. But have you ever wondered where your super fund is investing your money? Or if your money is going towards companies you believe in or see as having the most potential?
ING Living Super allows you to invest your super in the S&P/ASX 300 shares or a range of Exchange Traded Products, to truly put you in control of where your money is going. We’ve outlined the key areas of the exchange traded products (ETPs) you can choose to invest your super in, so take a look and see where you might like to start investing.
Every day we witness major developments in emerging technology fields like 3D printing, virtual reality, artificial intelligence and the Internet of Things. The technology industry is playing a crucial role in building the future, and investing your super in tech organisations gives you a chance to be a part of this.
By choosing to invest in the world’s biggest technology companies, you’ll be at the forefront of innovation and invest in the fastest growing industries of this generation.
Investing doesn’t always have to be about getting your hands dirty – there is a growing trend in Australia of people investing in funds that align to their personal values.
By choosing these types of ETPs, you can avoid investing in companies that you don’t see as ethical; or invest in those that have values similar to yours.That means avoiding organisations that have significant business activities in tobacco, or those in the production of controversial weapons such as cluster bombs, landmines, chemical and biological weapons and depleted uranium weapons.
Investing in emerging markets like Brazil, Mexico, South Africa and Turkey could help you be a part of the growth of developing nations.These investments have the potential for high growth, but as always we should mention no investment is guaranteed and there’s also the potential for negative returns.
Diversification of your portfolio could be a key benefit provided by this investment. Emerging markets funds include a range of economies at different stages of development and market cycles than developed economies.
Investing in commodities like gold, silver and precious metals can be risky due to the rise and fall in global demand. While the risk of negative returns is there, there is also high reward potential.
Historically, precious metals have performed well when there are factors like recessions, rising geopolitical tensions, or economic slowdowns, so this investment option can sometimes be a good way to provide diversity for uncertainty on the horizon. Although please note that past returns are not an indicator of future performance.
Get your foot in the property market with property securities listed on the Australian exchange.
Listed property securities are funds listed on a stock exchange that earn rental income from properties including office buildings, retail shopping
centres and industrial estates. The income from these properties is returned to investors as distributions.
So how do I choose where my super is invested?
If you’re looking to invest in shares and ETPs, you can open a share trading account after you’ve created your ING Living Super account.
Once your share trading account is open you can buy and sell S&P/ ASX 300 securities, listed companies and exchange traded funds – including the above options such as Technology and Ethical – all through online banking.
With ING Living Super, you’re in control of how your money is invested and you can see how it’s performing online, right next to your banking.
Whatever you choose, it’s important to consider what level of risk, return, how long you will be investing your super and what industries or sectors you are passionate about. Find out more about Living Super and how you could invest into areas that you are passionate about here.
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