The money you have in your superannuation account is invested for you in the options you nominate in a tax effective way to provide you with an income once you retire.

It is important to remember that there is a relationship between investment risk and investment return. Investments with the potential to earn the highest returns normally carry the highest risk of making a loss over the short term.

So things you should consider when developing your investment strategy should include:

Most funds will let you choose your own investment strategy and to do this you should be able to answer the questions above in order to invest at a suitable risk level.

A qualified financial planner can also provide help to examine the range of investment options and advise what suits you best.