“Do It For Me” which is the default option
Do it for me is designed for those who:
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Do not feel comfortable making regular investment decisions.
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Do not want to review their investment selection regularly as they approach retirement.
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Would prefer to select an automated approach that switches their funds for them into less risky funds (like bonds and cash) as they approach retirement as follows:
| Phase | Period | Strategy Factsheets |
Growth Phase |
more than 20 years from retirement |
High Risk/Return Growth Strategy (PDF 127KB) |
Transition Phase |
between 6 and 20 years before retirement |
Medium Risk/Return Growth Strategy (PDF 131KB) |
Consolidation Phase |
last 6 years before retirement |
OR “Do It Myself” which allows you to take control of your investment choices
Do it myself is designed for those who:
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Want greater control over their pension investments.
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Understand investment decision making and are comfortable with the idea of selecting investment funds.
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Are happy to review their investment approach regularly, taking particular care as they approach retirement.
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Want access to specific investments.
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Know how they would like to take their benefits at retirement (cash, pension, ARF).