Giving your super a world of opportunity

Why your super is invested overseas

We are proud to have a strong history of investing back into our communities. Our investments in Australia support important industries, help create jobs and most importantly contribute positively to your investment returns. But Australia is only a small part of the global economy. That’s why around half of your super is also invested overseas.

It’s important that not all your eggs are in the same basket

Australia’s share market is one of the most concentrated in the world with around half of the total value of listed companies coming from just two sectors, financials and materials. These companies include the big four banks and miners such as BHP and Rio Tinto. These businesses play an important role in the Australian economy but relying on them alone can expose your super to unnecessary risk.

Investing offshore is a simple way to diversify your super and reduce the risk of a large fall in your account. In simple terms, it works because you aren’t relying on one country, one industry or one type of business to perform well.

Investing offshore helps balance this. It allows us to invest in industries that are under‑represented in Australia, like technology, healthcare and major consumer brands.

We aren’t just limited to a single country either, with investments diversified across the United States, developed Europe and Japan, even emerging markets such as India and China. This is important because countries often move through economic cycles at different times, which can also help smooth returns over time.

You can’t find this at home

Offshore investing also gives access to unique assets. For instance, we invest in Forth Ports, an owner and operator of eight ports across the United Kingdom. With seven ports in Scotland and one in London, Forth Ports benefits from locations close to the North Sea oil and gas reserves and access to the English Channel. Offshore wind also presents a major opportunity for its Scottish ports, as construction and servicing work for new offshore wind farms is expected to be supported by Scottish harbours for years to come.

Investments like this can be hard to find in Australia but they can provide stable, long‑term returns for members.

Offshore investing isn’t about taking extra risk. It’s about building a stronger, more resilient portfolio to support your retirement over the long term.