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Super for Individuals - Super for you.

  • Among the lowest fees in the market
  • Choose how to invest your money
  • Easy ways to consolidate
  • Simple super advice at no additional cost to you

Affordable fees, no hidden costs

We're all about bringing value to you. Virgin Money Super's fees are one of the lowest in the market, which means your hard earned money is in the right place for your retirement.

We keep it simple. Our fee structure is transparent and easy-to-understand - no commissions, no joining fee, no contribution fee, plus a Baby Break while you’re on maternity or paternity leave.

Take a Baby Break on us

If you're having a baby, take a break on us. We'll reduce your Asset Based Administration Fees by 0.35% for up to 12 months while you're on maternity or paternity leave. What else would you expect from Virgin?

Investment performance

The performance of a super fund is just as important as fees in achieving your superannuation goals. As we've just launched, we don't have historical performance to shout about. We'll update this section and email all our customers once we hit our 3 month anniversary (March 2017).

Your investment options

We've kept our investment options simple and straightforward. Choose between letting us help you manage your money based on your age and life stage using our LifeStage Tracker® option, or take more control through the range of investment choices available to you.

Insurance as part of Virgin Money Super

Being covered is important. We offer Aussie residents aged 15-64:

  • Automatic Insurance cover6, where we provide you with a pre-approved level of Death and Total and Permanent Disablement (TPD) insurance cover based on your age.
  • Tailored Insurance cover, where you can choose to apply for the type and amount of cover you're after, including Income Protection Insurance.

Simply super advice just for you

To help you achieve your lifestyle goals in retirement we offer personalised superannuation advice over the phone from a qualified financial adviser at no additional cost to you.

Our Helpline Advice Service can help you make decisions about your super, such as the right investment or insurance options to choose. As part of the service they'll provide you with a statement of advice. We can even put your advice into action immediately while you're on the phone.

Manage your super 24/7

We’ve put your key information on a single screen enabling you to transact online anytime - on your phone, tablet or desktop, to make sure your super is working as hard as it should be.

You'll have access to tools to help you make simple decisions about your investments - including tips about what you might want to do next and access to a personalised superannuation forecasting tool to help you better plan for your future. You will also have the ability to consolidate your super within your online account. Bring all your super accounts together in less than 10 minutes - no forms, no hassle.

Find your lost super

Approximately 43% of Australians with a super fund account have more than one super account1. If you've changed jobs or had casual or part-time work, chances are you may have lost track of your super along the way. Finding lost super has never been easier.

From your Virgin Money Super online account we’ll help you locate and consolidate your existing super and lost super in just 2 simple steps, so you have more control of your money and your future.

Gold Rated Super Fund by SuperRatings

Virgin Money Super is proud that the value we bring to our customers has been acknowledged. The independently run SuperRatings has awarded us with a Gold rating for 20172.

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Important stuff

The information above is intended as a guide only. If you are unsure about who you need to make contributions for we suggest you contact the ATO.

As an employer, it's important you fully understand your superannuation obligations as failure to meet these minimum requirements could mean financial penalties from the Government.

QuickSuper is a registered trademark and a product owned and operated by Westpac Banking Corporation ABN 33 007 457 141. Westpac’s terms and conditions applicable to the QuickSuper service are available after your eligibility for the free clearing house service is assessed by Virgin Money Super.

This information is of a general nature only and does not take into account your personal financial situation, needs or objectives. As we don't know your financial needs we can’t advise if Virgin Money Super will suit you. Please consider the Product Disclosure Statement, Product Guide, Insurance Guide and Financial Services Guide before making a decision about the product. For further information about the insurance options refer to the Insurance Guide.

The Superannuation Fees described on the Fees page apply from 12 December 2016. Here you'll find the official Superannuation Industry (Supervision) Act 1993 ('SIS Act') definition for each fee type.

While there are no contribution, withdrawal or switching fees, a buy/sell spread applies at a fund level when purchasing and selling units. Other fees and costs may apply such as insurance fees. These are retained by the fund and are not paid to Virgin Money or the Trustee. All fees are inclusive of Goods and Services Tax (GST) and net of Reduced Input Tax Credits (RITC).

Before you rollover or consolidate your superannuation, you should check to see if insurance or other benefits will be impacted or lost. Some funds may also charge withdrawal or exit fees.

It is very important to note that superannuation is generally a long term investment. Past investment performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a fund. It is very important to note that superannuation is a generally long term investment and that past performance is not indicative of future performance.

Prepared by Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869. Virgin Money Super is a plan in the Mercer Super Trust ABN 19 905 422 981. Virgin Money Super is issued by Mercer Superannuation (Australia) Limited (MSAL) ABN 79 004 717 533 AFSL 235906 as trustee of the Mercer Super Trust. For more information about Virgin Money Super, please refer to the PDS which is available free of charge on our website or by calling the Customer Care team on 1300 652 770.

Source: https://www.ato.gov.au/About-ATO/Research-and-statistics/In-detail/Super-statistics/Super-accounts-data/Super-accounts-data-overview/

SuperRatings award reflects a funds' value for money, and is awarded based on a rating system of investment, fees and service. SuperRatings does not issue, sell, guarantee or underwrite this product. Go to www.superratings.com.au for details of its ratings criteria.

The amount shown is an estimate only of the Indirect Cost Ratio (ICR) generally expected to apply to these investments for 2016-2017 Financial Year.

Virgin Money Super’s fund returns shown above are net earnings and are calculated after the deduction of applicable taxes and costs. The results are current as at 31 January 2017. These results are provided by Virgin Money Super Asset consultants. It is very important to note that past performance is not indicative of future performance.

The median results are provided by SuperRatings and are current as at 30 June 2016 as a benchmark only. Virgin Money Super has not verified its accuracy so we can’t guarantee that it is correct, and accept no liability for inaccuracies, errors or omissions.

Eligibility crtieria and fees apply. Aged 15-64 Death and Total and Permanent Disablity cover. Automatic Insurance cover is subject to Exclusions including Pre-Existing Medical Condition exclusion. This means that, you won’t be covered for any illness, injury, condition or related symptom that you were aware of or should have been aware of, or had a medical consultation for, were planning to have a medical consultation for, or should have had a medical consultation for in the two years prior to cover commencement. See the Virgin Money Super Insurance Guide for more information.

Automatic Death & TPD cover for Australian residents aged 15-64 with our default insurance offering. Conditions and Exclusions (such as pre-existing medical conditions) apply. See the Virgin Money Super Insurance Guide for more information.

The case studies shown are hypothetical and are not meant to illustrate the circumstances of any particular individual. All claims will be assessed in accordance with the policy terms. In the event of any inconsistency with other material, the insurance policy terms will prevail.
For further information regarding Virgin Money Super’s insurance cover, including terms, conditions and eligibility, please refer to the Insurance Guide which forms part of the Product Disclosure Statement (PDS). The PDS is also available free of charge by contacting Customer Services on 1300 652 770.
This information is of a general nature and has been prepared without taking account of your personal needs, financial circumstances or objectives. Before acting on this information, you should consider the appropriateness of the information, having regard to your needs, financial circumstances and objectives. You should read the relevant Product Disclosure Statement available by calling 1300 652 770 and consider if this product is right for you before making a decision to acquire or continue to hold the product.