How we invest your money

Superannuation is a long-term investment. Even when you retire, the money in your account continues to be invested for decades. That's why Media Super's investment options are designed to achieve long-term investment objectives to help you build your retirement savings.

What am I invested in?

We offer a range of investment options to suit members' needs throughout their lives. Our Pre-mixed options are already diversified across a wide range of asset classes. We actively manage these options, making changes to the allocation to different asset classes.

You decide which Pre-mixed option best suits your risk appetite and retirement goals. The DIY options offer the ability to be more involved with choosing and managing your investments.

Growth vs defensive assets

Asset classes can be separated as growth assets, defensive assets or a mix of both.

  • Growth assets can deliver higher returns over the long term, but with ups and downs along the way.
  • Defensive assets are generally less risky but deliver lower returns over the long term.

Some asset classes have both growth and defensive qualities and sit across both categories.

Media Super's investment options have different levels of growth and defensive assets to help us achieve investment objectives.

Types of assets

Asset classes are the building blocks of the suite of investment options. How much is invested in each asset class depends on each option’s investment objective. Detailed information about different asset classes is available in the Investment handbook.


Diversification lowers risk and helps achieve more stable returns over time. All investment options have a Strategic Asset Allocation and range for each asset class they invest in.

The asset allocation is set by the investment team and reflects what they believe will most likely meet each options’ investment objective.

Detailed information about asset allocations and risk/return profiles for Media Super's investment options is available in the Investment handbook.

United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 offering Media super products (Media Super). Use of ‘us’, ‘we’, ‘our’ or ‘the Trustee’ is a reference to United Super Pty Ltd.

Who manages your money

We manage around 40% of our assets in-house including hybrid strategies. We also use a range of Australian and international fund managers who invest funds on behalf of our members.