If you’ve ever looked at your super and thought, “Am I in the right investment option?” — this episode is for you.

One listener recently asked me:
“Hi Canna, I’ve just realised I’m in the Balanced option with my super, but I don’t think this is right for me or my age group. Should I switch to Growth or High Growth?”

It’s such a common question — and one that could have a huge impact on your financial future. But before making any changes, there are important things to understand.

In this episode, I’ll walk you through:


✅ Why your super investment option matters more than you think.


🧠 How to work out your risk profile and why age isn’t the only factor.


💸 The hidden costs of switching options (like capital gains tax inside super).


🔍 What to check in your super fund itself — fees, investment menu, insurance, and retirement features.


📈 Why contributions matter just as much as investment choice.


🔄 How to review your super regularly so it stays aligned with your life.


👩‍💼 When and why to seek advice from a licensed financial planner.

Most importantly, I’ll show you how to move from confusion and hesitation to confidence and clarity with your super — one of your most powerful long-term wealth-building tools.

MUST LISTEN TO MY OTHER SUPERANNUATION EPISODES HERE:

🔑 Key Takeaway

There’s no one-size-fits-all answer to Growth vs High Growth. What matters is understanding your risk tolerance, reviewing your fund’s competitiveness, and making thoughtful, informed decisions that align with your goals.

📲 Call to Action

If this episode resonated with you, share it with a friend who might also be ignoring their super. And if you’ve got a money question you’d like me to cover in a future Start Here episode, DM me on Instagram — @SugarMammaTV or @CannaCampbellOfficial.

⚖️ Additional General Advice Warning

While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always:
Do your own research.
Weigh up the pros, cons, fees, caps, taxes, and risks.
Seek professional advice before making financial decisions.

📜 Financial Planning License Details

The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate.

Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589).

If you&rsquo;ve ever looked at your super and thought, &ldquo;Am I in the right investment option?&rdquo; &mdash; this episode is for you.
One listener recently asked me: &ldquo;Hi Canna, I&rsquo;ve just realised I&rsquo;m in the Balanced option with my super, but I don&rsquo;t think this is right for me or my age group. Should I switch to Growth or High Growth?&rdquo;
It&rsquo;s such a common question &mdash; and one that could have a huge impact on your financial future. But before making any changes, there are important things to understand.
In this episode, I&rsquo;ll walk you through:
<ul data-start="824" data-end="1385">
<li data-start="824" data-end="891">
✅ Why your super investment option matters more than you think.
</li>
<li data-start="892" data-end="971">
🧠 How to work out your risk profile and why age isn&rsquo;t the only factor.
</li>
<li data-start="972" data-end="1055">
💸 The hidden costs of switching options (like capital gains tax inside super).
</li>
<li data-start="1056" data-end="1167">
🔍 What to check in your super fund itself &mdash; fees, investment menu, insurance, and retirement features.
</li>
<li data-start="1168" data-end="1234">
📈 Why contributions matter just as much as investment choice.
</li>
<li data-start="1235" data-end="1312">
🔄 How to review your super regularly so it stays aligned with your life.
</li>
<li data-start="1313" data-end="1385">
👩&zwj;💼 When and why to seek advice from a licensed financial planner.
</li>
</ul>
Most importantly, I&rsquo;ll show you how to move from confusion and hesitation to confidence and clarity with your super &mdash; one of your most powerful long-term wealth-building tools.
MUST LISTEN TO MY OTHER SUPERANNUATION EPISODES HERE:
<hr data-start="1567" data-end="1570">
🔑 Key Takeaway
There&rsquo;s no one-size-fits-all answer to Growth vs High Growth. What matters is understanding your risk tolerance, reviewing your fund&rsquo;s competitiveness, and making thoughtful, informed decisions that align with your goals.
<hr data-start="1818" data-end="1821">
📲 Call to Action
If this episode resonated with you, share it with a friend who might also be ignoring their super. And if you&rsquo;ve got a money question you&rsquo;d like me to cover in a future Start Here episode, DM me on Instagram &mdash; <a href="https://instagram.com/sugarmammatv" data-start="2058" data-end="2107">@SugarMammaTV</a> or <a href="https://instagram.com/cannacampbellofficial" data-start="2111" data-end="2180">@CannaCampbellOfficial</a>.
⚖️ Additional General Advice Warning
While we discuss financial topics, everything shared here is&nbsp;general information only&nbsp;&mdash; never personal, product, or investment advice. Always:
<ul>
<li>Do your own research.</li>
<li>Weigh up the pros, cons, fees, caps, taxes, and risks.</li>
<li>Seek professional advice before making financial decisions.</li>
</ul>
📜 Financial Planning License Details
The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate.
Canna Campbell is an&nbsp;Authorised Representative and Financial Adviser&nbsp;of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589).

Having been a Financial Planner for over 15 years, I have seen first hand how money problems can breed stress. Often, people make wrong money decisions because the world of finance can be intimidating and confusing. This podcast cuts through the jargon and provides practical, accessible financial education and empowerment - so you can build sustainable wealth and help achieve financial freedom. You will also hear real-life success stories from people who have transformed their finances and be empowered by valuable advice from industry experts. So join me for the start of a bold and brilliant financial future and growing community. For immediate access to all my content follow @SugarMammaTV@CannaCampbellofficial xCC

SugarMamma’s Fireplay

START HERE: Should You Switch Your Super to Growth or High Growth?

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/45368a16-70fc-4fe2-a4d0-b35c018382ef/transcript