Quiz: Understanding your super investment options

25 April 2025

Many people don’t realise they can choose how their super is invested and it can make a big difference to how much they retire with. Take our quick quiz to see how well you know your Triple S investment options. Don’t worry if you’re unsure – we’ve included tips to help you get on track!

1. Most super funds have a default investment option for members who don’t actively choose their own. For Super SA’s Triple S, this option is…

Answer: When you join Triple S, your super is automatically invested in the Balanced option. However, you have the flexibility to switch to a different option – this is called ‘making an investment switch’.

2. How many investment options can you choose from with Super SA’s Triple S?

Answer: You can select from 7: High Growth, Balanced, Socially Responsible, Moderate, Stable, Capital Defensive and Cash. You can even mix and match these options to suit your goals. Learn more about our investment options and objectives here.

3. True or false: The most important thing to consider when deciding on an investment option is how long your super will be invested.

Answer: False. While investment time frame matters, other factors like your risk tolerance, current financial position and personal retirement goals, also influence the best option for your super.

4. How often can you change your investment options?

Answer: You can change your Triple S investment options as often as you like, and there’s no fee to switch! For ease and convenience, you can make an investment switch online via the member portal.

5. Out of the following Triple S investment options, which has the lowest risk of negative returns?

Answer: The Capital Defensive option has the lowest risk of negative returns because it invests mainly in defensive assets like cash and fixed interest (bonds), which tend to be more stable. Lower risk generally means there’s less chance of your super balance going down in value, but it may also grow more slowly over time.

6. When is the right time to switch to a different investment option?

Answer: Markets naturally go up and down, so short-term performance dips don’t necessarily mean you should switch. Instead, focus on your long-term financial strategy and make changes when your personal circumstances or risk tolerance shift.

How did you score?

It doesn’t matter whether you aced the quiz or learned something new, what matters most is understanding your super investment choices and how they impact your future. Take some time to review your options and ensure they align with your long-term financial goals. To check your investment options, log in to the member portal via the Login button at the top of this page.

The superannuation schemes administered by Super SA are exempt public sector superannuation schemes and are not regulated by the Australian Securities and Investments Commission (ASIC) or the Australian Prudential Regulation Authority (APRA). Super SA is not required to hold an Australian Financial Services Licence to provide general advice about a Super SA product. The information in this publication is of a general nature only and has been prepared without taking into account your objectives, financial situation, or needs. Super SA recommends that before making any decisions about its products you consider the appropriateness of this information in the context of your own objectives, financial situation, and needs, read the Product Disclosure Statement (PDS), and seek financial advice from a licensed financial adviser in relation to your financial position and requirements.