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Which shares option to put into super?

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16 October 2012
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My partner just recently found out that you can choose how your super is invested......all these years its been in the default "Balanced" mode. Currently, playing around with how to spread out the super investment (currently with sunsuper) and wondering if anyone have any opinions which direction I should go?

Obviously SMSF will be the best, but currently way off that....only 10k from 10 years or so of working

Australian Shares
Australian Shares - Index
Emerging Markets Shares
International Shares (hedged)
International Shares (unhedged)
International Shares - Enhanced Index (hedged)
International Shares - Enhanced Index (unhedged)
Ethical, Environmental and Socially Responsible Investments

Cash
Fixed Interest
Fixed Interest - Index

1. If its a long term aggressive move, should I go majority wise into Emerging markets, ethical investment, and international shares-index (hedged)?

2. Someone care to explain the difference between Cash and fixed interest?

3. Currently thinking going:
15% property
5% cash
15% fixed interest (or index fixed interest)
30% Australian Shares - Index
20% Emerging Markets
15% Social Ethical

Thanks.
 
Looks a reasonable option.

My thoughts is you need to be a bit agressive in the early years, an moved to a less agressive approach when getting close to retirement.

Fixed interest could be either bonds or hybrid shares (my understanding}

Also need some approach to identify things such as the GFC and move into cash/fixed interest. Sounds easy in hindsight but difficult on the way though.

You can definitely improve beyond the balanced option. Also consider fees as it does impact on the final outcome

My opinion only and what I am attempting to do.
 
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