You Have an Account-Based Pension — Here's How to Actually Invest It

Your fund calls it "Balanced." SuperRatings says that means 60-76% growth assets. Chant West says it means 41-60%. Same word, two different portfolios — and nothing on your statement tells you which one you own. This video works through the four settings inside an account-based pension that somebody else has already chosen for you: what your investment option's label actually means in percentages, which option your fund puts you in if you make no choice, what the ATO's minimum drawdown forces out of the account each year, and — the one almost nobody checks — which investment option your pension payments are sold from. Every figure is sourced and dated on screen: ATO minimum drawdown rates for 2026-27, Chant West's and SuperRatings' category bands, Chant West's 10-year category returns to 30 June 2026, the Actuaries Institute's sequencing-risk history, and the Australian Government Actuary's 2020-22 life tables.