• Inflation risks
• Individual investment risks
• Market risks
• Interest rate risks
• Currency risks
• Derivatives risks
• Fund risks

Risk
Inflation risk:
Inflation risk is where the rate of inflation may exceed the return on your investment. The OAMPS Cash Option is subject to this risk.
Management
The other OAMPS Options invest in growth assets, which reduces the inflation risk.
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Risk
Individual investment risk:
Individual assets fall in value for many reasons such as changes in the internal operations of a fund, or company, or its business environment.
Management
The investment managers we use aim to reduce this risk with careful analysis of research from many sources and talking to people who run the investments and companies that they invest in.
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Risk
Market risk:
Economic, technological, political or legal conditions, and even market sentiment, can (and do) change, and this can mean that changes in the value of investment markets can affect the value of the investments in the Fund.
Management
The Trustee's investment managers use research and analysis to form a view on these matters and then rebalance the investment Options to reduce any adverse impact and to take advantage of any positive impact.
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Risk
Interest rate risk:
Changes in interest rates can have a positive or negative impact directly or indirectly on investment value or returns - for example the cost of a company's borrowing can decrease or increase or the income return on a fixed interest security can become more or less favourable.
Management
Our investment managers use research and analysis to form a view on these matters to reduce the negative impact and to take advantage of any positive impact.
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Risk
Currency risk:
When investing in other countries, if their currencies change in value relative to our dollar, the value of the investment can change.
Management
The Trustee's investment advisor and the investment managers undertake some currency strategies to reduce the impact of adverse dollar movements.
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Risk
Derivatives risk: Derivatives are used to gain, reduce or modify exposure to a particular asset class or currency. Risks associated with these derivatives include the value of the derivative failing to move in line with the underlying asset, potential illiquidity of the derivative, the fund may not be able to meet payment obligations as they arise, and counter party risk (this is where the counter party to the derivative contract cannot meet its obligations under the contract).
Management
The Trustee's investment managers monitor our currency strategies to reduce the impact of adverse dollar movements.
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Risk
Fund risk:
Risks particular to a fund include changing an investment manager or the replacement or termination of the Trustee.
Management
We aim to keep fund risk to a minimum by constantly monitoring the investment managers and their funds and personnel.
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Other risks:
Whilst we can seek to minimise risks when investing, it’s also important to note that changes are frequently made to laws, which may affect superannuation.

Before making any investment changes, we suggest you consult a financial adviser to make sure the right investment matches your superannuation strategy.

Your investment options
Funds and managers