Superannuation, like all investments, carries risk.

How much risk depends on several factors, an important one being the type of assets you are invested in.

Slate Super invests in different types of assets. These include:

  • Australian shares
  • International shares
  • Property
  • Alternative assets and fixed interest
    • via Exchange Traded Funds (ETFs) listed on the Australian Stock Exchange (ASX)

Different asset classes behave differently over time and have different levels of risk.

Assets with the highest expected returns over the long-term may also have the greatest chance (risk) of producing a negative return in the short term.

When investing your super, it is important to understand that:

  • The value of your investment will go up and down depending on the market prices of the assets we’re invested in;
  • Returns are not guaranteed and will vary, meaning past performance is not indicative of future performance and you may lose some or all of your money;
  • Your super account balance may not be enough on its own to pay for the retirement lifestyle you want, particularly if you rely solely on contributions from your employer; and
  • Superannuation laws may change in the future.


You can read more about the risks of Super in Slate Super's PDS here.