This article discusses the investment options available for tertiary sector employees in Australia for their superannuation contribution, specifically focusing on the investment choice plan and defined benefit plan. It explores the factors that employees should consider when deciding between the two plans, such as financial stability, age, employee mobility, historical performance, level of information available, gender, and sense of security. The article also highlights the issues of time value of money and tax deductions that can impact the investment decision. Overall, it provides insights to help employees make an informed choice for their superannuation investment.