I am current 21 years of age and have a SuperAnnuation of $16,073.68 with BTSuper - $186.35 is invested per fortnight.

What I am looking for:

Given the fees listed below, my current contributions and the fees associated, are there any recommendations towards/against high-risk investments as opposed to conservative investment styles?

Here are a few particulars on my investment:

  • Yearly Admission Fee: $78 Plus 0.45% pa of your account balance (this is nil for the Super Cash option).

The following fees exist depending on the type of investment:

  • BT Super for Life - Lifestage Funds 0.36
  • BT Super for Life - Growth Fund 0.20
  • BT Super for Life - Moderate Fund 0.28
  • BT Super for Life - Conservative Fund 0.18
  • BT Super for Life - Super Cash 0.00

I've had a look at their past performance information and can see some basic information about my current performance:

Basic Snapshot of Account Performance

At present stage, I have the following contribution type:

  • 5% Lifestage Fund
  • 5% Growth Fund
  • 15% Moderate Fund
  • 35% Conservative Fund
  • 40% Super Cash Fund

Sub-questions/contributing questions

By placing 50%/45% into a low-risk conservative and Super Fund investment option, I fear I will not make much return on the investments, but will have a more stable income. Of course market(s) rise and drop, and cannot be assumed, but is there a general ruling towards how long/how much you invest in high-risk returns before deemed unstable? Is there any (I surmise there is) pro/con to investment style(s), and is there a independent standard for when/where you should invest in high-risk return, and low risk return?

Some Findings

  • I went and looked into AMP's results and noted I am ahead of the "average" for super; I put this down to the fact I skipped University/College. Furthermore, it's not just about averages.

  • I also used their "estimator" (and whilst I hope my salary increases over time) my retirement value is estimated to be $284,008(^1) at age 70 (and yes, I understand there are too many variables for this to be accurate). Based on this figure here, that is less than 5 years of expenses covered.

(^1) Note that this tool provides a much more positive outcome.

  • @Grade'Eh'Bacon Does the edit improve the overall question? – DankyNanky Apr 20 '18 at 12:33
  • Yes, the additional focus I believe helps make it more answerable. – Grade 'Eh' Bacon Apr 20 '18 at 12:52

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