Sub category: Superannuation
19 October 2017

The ING Investopedia: Investing your super in what matters to you

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.

Technology

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.

Ethical

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.

Emerging Markets

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.

Commodities

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.

Listed Properties

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.

Living Super. Your other savings account.

The information is current as at publication. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Deposit products, savings products, credit card and home loan products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. ING Living Super (which is part of the ING Superannuation Fund ABN 13 355 603 448) is issued by Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153 RSE L0000635. The insurance cover offered by ING Living Super is provided by Metlife Insurance Limited ABN 75 004 274 882, AFSL 238096. ING Home and Contents Insurance is issued by Auto & General Insurance Company Limited (AGIC) ABN 42 111 586 353 AFSL Licence No 285571 as insurer. It is distributed by Auto & General Services Pty Ltd (AGS) ABN 61 003 617 909 AFSL 241411 and by ING as an Authorised Representative AR 1247634 of AGS. All applications for credit are subject to ING's credit approval criteria, and fees and charges apply. You should consider the relevant Product Disclosure Statement, Terms and Conditions, Fees and Limits Schedule, Financial Services Guide, Key Facts Sheet and Credit Guide available at ing.com.au when deciding whether to acquire, or to continue to hold, a product. Before interacting with us via our social media platforms, please take a minute to familiarise yourself with our Social Media User Terms https://www.ing.com.au/pdf/Social_Media_User_Terms.pdf.

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