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In this episode, Stuart shares practical advice for one of the most important superannuation decisions you'll make: how to invest your super once you've chosen your fund.

He explains the differences between pre-mixed investment options like Conservative, Balanced, Growth, and High Growth, and why you can't always trust the label. Some “Balanced” options are really aggressive, so always check the underlying asset allocation.

Stuart breaks down the two key factors to consider: your time horizon and your risk tolerance. If you're under 50, the evidence clearly shows that growth assets (like shares and property) outperform over the long term—even if they’re more volatile. For those not accessing super for decades, that volatility is worth enduring.

He also warns against common mistakes like mixing investment options, trying to manage your own asset allocation, or using DIY investment tools without advice. Instead, he recommends choosing one pre-mixed option that matches your goals and sticking with it.

Whether you're just starting out or approaching retirement, this episode will help you make a smarter, evidence-based choice for your super. Tune in and take control of your long-term financial future.

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IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

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