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Select Your Own

Virgin Money's D.I.Y. investment option is for those who prefer to have more control of their superannuation, without the confusion. You can opt for the allocation of assets that best match your risk profile, and can easily change things around whenever you like online (just like you do with your bank accounts).

Choose your Super assets
Diversification is a word that's bandied about a bit when talking about investing, and in this context it means the spread of risk across a range of asset classes. You can diversify how you see fit with Virgin Money’s Select Your Own super by deciding what percentage of your cash goes where.

Assets and investment risk

Australian shares	The expected return is high over the long term, but the risk of short-term up and downs is greater.
International shares	Similar to Australian shares. Generally the expected return is high over the long term but the risk is greater.
Property	Moderate to high risk investment, due to reliance on economic factors, location and quality. Has a corresponding level of moderate to high returns.
Cash and fixed interest	Low to moderate risk investment. Less volatile than property and shares over the short term, but also provides a lower level of return.

Whichever way you choose to go, the Select Your Own investment mix needs to add up to 100 per cent. For example, you could choose 50% property and 50% Australian shares, or you could split it four ways using whatever percentage allocation you like. Remember to allocate whole percentages – your application cannot be processed if we receive your mix with decimal places.

Changing your investment mix– some food for thought
Not only may your outlook change; your view on which asset classes are likely to perform strongly may well change. We suggest a yearly asset allocation check-up to make sure it still reflects your attitude to risk. You can change between the four major asset classes in Select Your Own OR switch from Select Your Own to LifeStage Tracker®.

To help members with the bigger picture thinking, we update this website with quarterly performance reports, and send out personal snapshots annually.

Next steps

• You can join anytime by completing the Virgin Super online Application.
• If Select Your Own doesn’t seem quite right for you, check out our LifeStage Tracker® super option, where we handle the investing for you and change the asset mix as you get older.