There is a sensible balance between risk and return that will depend on your own needs. Books, magazines and newspapers have a lot of useful general information about investing. You can also get professional advice from a licensed financial planner or investment adviser. Check the fees and charges Fees and charges can make a big difference. Compare the prices after you find the investment strategy and features that suit you.
Funds have different ways of charging and explaining their fees.
There can be various other administrative and sundry charges. If you are not sure how some of the fees operate, talk to a fund representative before you make a decision. Look closely at ongoing fees. The fee you pay to the fund every year for looking after your money may be a fixed dollar amount per week, it may be a percentage per year of the amount of money in your account or it may be a bit of both. The amount you pay in dollars will increase as your superannuation account increases.