The key investment principles that will normally influence your investment strategy decisions include:

  • It is your money.
  • Sleeping at night (and not worrying about your investments) is normally more important than getting that “extra” return.
  • With higher long-term average returns (i.e. over 20 years), you may get lower short-term returns (i.e. over 1 year).  Any strategy has to be able to cope with negative returns as, even in a “bad” year, you still need an income to live on. It is your retirement savings, and so must meet your income needs.
  • If you invest in assets that go up and down in value, it is important that you are never forced to sell them on a particular date i.e. you always need some assets that don’t go down (i.e. cash) for immediate financial needs.
  • Any investment strategy needs to be able to cope with change; changes to your circumstances and changes to legislation.


Setting an investment strategy to spend your retirement capital is based on 5 simple factors:

  • Timing: When will you spend the money?
  • Importance: How important is the expenditure?
  • Diversification: Do you have other sources of income?
  • Patience: How long can you wait if something goes wrong?
  • Risk preference: What type of investor are you?

To help you make your investment decisions, check out the SuperLife investment guide and other educational resources, and the latest "my future strategy" in our quarterly newsletters.

Also, visit our resources section.