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Investing 101

Many of us, while we may not think we have any money to invest, are in fact investors already.

If you have a super fund (nearly all working Australians do) or a bank account, then you’re an investor. And as an investor, you have the right and the power to choose how your money is invested, including asking questions about what is done with your money or by switching provider.

In the simplest terms, investing involves putting your money behind companies, projects, or organisations that you want to support. Some people invest purely for financial gain, while increasingly, people also want to ensure their investments are aligned with their values.

Here’s a list of the basic ways you can invest your money:

Superannuation
Banking
Shares
Bonds
Property
Managed funds

A superannuation fund (or pension fund) is an investment that you add to regularly in order to fund your life in retirement. In Australia your ‘super’ is paid by your employer each payday.

A super fund will invest in a whole range of ‘asset classes’ on your behalf. This may include local and global shares, property, big infrastructure projects and bonds. Most of this involves investing in companies such as those listed on the stock exchange.

While its compulsory for your employer to make contributions to your super, you do have the freedom to choose which investment manager does the investing for you.

It’s worth investigating which super fund your employer is sending your payments to. If you didn’t choose your fund yourself when you started working, then you were probably signed-up to a ‘default’ fund. So, take a look to see how your money is being invested, and what fees you’re paying.

Tab image

A superannuation fund (or pension fund) is an investment that you add to regularly in order to fund your life in retirement. In Australia your ‘super’ is paid by your employer each payday.

A super fund will invest in a whole range of ‘asset classes’ on your behalf. This may include local and global shares, property, big infrastructure projects and bonds. Most of this involves investing in companies such as those listed on the stock exchange.

While its compulsory for your employer to make contributions to your super, you do have the freedom to choose which investment manager does the investing for you.

It’s worth investigating which super fund your employer is sending your payments to. If you didn’t choose your fund yourself when you started working, then you were probably signed-up to a ‘default’ fund. So, take a look to see how your money is being invested, and what fees you’re paying.

A superannuation fund (or pension fund) is an investment that you add to regularly in order to fund your life in retirement. In Australia your ‘super’ is paid by your employer each payday.

A super fund will invest in a whole range of ‘asset classes’ on your behalf. This may include local and global shares, property, big infrastructure projects and bonds. Most of this involves investing in companies such as those listed on the stock exchange.

While its compulsory for your employer to make contributions to your super, you do have the freedom to choose which investment manager does the investing for you.

It’s worth investigating which super fund your employer is sending your payments to. If you didn’t choose your fund yourself when you started working, then you were probably signed-up to a ‘default’ fund. So, take a look to see how your money is being invested, and what fees you’re paying.

Tab image

A superannuation fund (or pension fund) is an investment that you add to regularly in order to fund your life in retirement. In Australia your ‘super’ is paid by your employer each payday.

A super fund will invest in a whole range of ‘asset classes’ on your behalf. This may include local and global shares, property, big infrastructure projects and bonds. Most of this involves investing in companies such as those listed on the stock exchange.

While its compulsory for your employer to make contributions to your super, you do have the freedom to choose which investment manager does the investing for you.

It’s worth investigating which super fund your employer is sending your payments to. If you didn’t choose your fund yourself when you started working, then you were probably signed-up to a ‘default’ fund. So, take a look to see how your money is being invested, and what fees you’re paying.

A superannuation fund (or pension fund) is an investment that you add to regularly in order to fund your life in retirement. In Australia your ‘super’ is paid by your employer each payday.

A super fund will invest in a whole range of ‘asset classes’ on your behalf. This may include local and global shares, property, big infrastructure projects and bonds. Most of this involves investing in companies such as those listed on the stock exchange.

While its compulsory for your employer to make contributions to your super, you do have the freedom to choose which investment manager does the investing for you.

It’s worth investigating which super fund your employer is sending your payments to. If you didn’t choose your fund yourself when you started working, then you were probably signed-up to a ‘default’ fund. So, take a look to see how your money is being invested, and what fees you’re paying.

Tab image

A superannuation fund (or pension fund) is an investment that you add to regularly in order to fund your life in retirement. In Australia your ‘super’ is paid by your employer each payday.

A super fund will invest in a whole range of ‘asset classes’ on your behalf. This may include local and global shares, property, big infrastructure projects and bonds. Most of this involves investing in companies such as those listed on the stock exchange.

While its compulsory for your employer to make contributions to your super, you do have the freedom to choose which investment manager does the investing for you.

It’s worth investigating which super fund your employer is sending your payments to. If you didn’t choose your fund yourself when you started working, then you were probably signed-up to a ‘default’ fund. So, take a look to see how your money is being invested, and what fees you’re paying.

Disclaimer—General Advice Warning
The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.