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Virgin Money Super Investment Options

With Virgin Money Super you can choose exactly how your money is managed with investment options that are easy to understand and straightforward. From ‘do it for me please’ to ‘let me take control’, the choice about how to invest your money is definitely yours. Take a look at our super investment options to help you decide which is best for you.

Investment options with Virgin Money Super

 
Invest based on your year of birth
Choose your own investment mix

LifeStage Tracker® Investment Option

Not overly confident about managing your investments? No problem! The LifeStage Tracker option will do it for you. This option has a whole of life approach to investing your super and does all the hard work for you. When you join LifeStage Tracker, you’re allocated a ‘Path’, based on the year of your birth. Each year, your Path is automatically adjusted to help ensure your asset mix is in line with your life stage.

 

How does it work?

LifeStage Tracker automatically adjusts your investments as you age. The investments slowly shift from growth, or ‘higher-risk’ assets, to defensive or ‘lower-risk’ assets. When you’re younger, your Path starts with a higher allocation of growth assets (growth 85% and defensive 15%). As you get older, your Path will gradually be adjusted to reduce volatility in the years leading up to your retirement. This adjustment continues until you have an asset allocation of 45% growth and 55% defensive.

The graph shows the shift between growth and defensive assets as you get older.



Super Investment based on age

To see more details on how your super will be invested, click on the year of birth that applies to you.

After 1978
1974 - 1978
1969 - 1973
1964 - 1968
1959 - 1963
1954 - 1958
1949 - 1953
Before 1949

Asset Allocation ranges

Australian Shares
International Shares
Property & Infrastructure
Alternative assets
Higher yielding fixed interest
Defensive fixed interest & Cash assets
(%)
25-55
25-55
0-15
0-10
0-10
0-30
Target Growth Exposure range (%)
85
Investment Objectives
CPI + 3.50% over 7 years
Risk level
High
It is estimated that there will be between 4 and 6 negative annual returns over any 20 year period
 

Investment profile for 30 year old individual*

 
 
 
*Investment mix shown is an example only. The percentage of each asset class will change in line with the investment objectives based on your age.

Asset Allocation ranges

Australian Shares
International Shares
Property & Infrastructure
Alternative assets
Higher yielding fixed interest
Defensive fixed interest & Cash assets
(%)
25-55
25-55
0-15
0-10
0-10
0-30
Target Growth Exposure range (%)
85
Investment Objectives
CPI + 3.50% over 7 years
Risk level
High
It is estimated that there will be between 4 and 6 negative annual returns over any 20 year period
 

Investment profile for 40 years old individual*

 
 
 
*Investment mix shown is an example only. The percentage of each asset class will change in line with the investment objectives based on your age.

Asset Allocation ranges

Australian Shares
International Shares
Property & Infrastructure
Alternative assets
Higher yielding fixed interest
Defensive fixed interest & Cash assets
(%)
25-55
25-55
0-15
0-10
0-10
0-30
Target Growth Exposure range (%)
85
Investment Objectives
CPI + 3.50% over 7 years
Risk level
High
It is estimated that there will be between 4 and 6 negative annual returns over any 20 year period
 

Investment profile for 45 years old individual*

 
 
 
*Investment mix shown is an example only. The percentage of each asset class will change in line with the investment objectives based on your age.

Asset Allocation ranges

Australian Shares
International Shares
Property & Infrastructure
Alternative assets
Higher yielding fixed interest
Defensive fixed interest & Cash assets
(%)
25-55
25-55
0-15
0-10
0-10
0-30
Target Growth Exposure range (%)
85
Investment Objectives
CPI + 3.25% over 7 years
Risk level
High
It is estimated that there will be between 4 and 6 negative annual returns over any 20 year period
 

Investment profile for 50 years old individual*

 
 
 
*Investment mix shown is an example only. The percentage of each asset class will change in line with the investment objectives based on your age.

Fund fact Sheets

Asset Allocation ranges

Australian Shares
International Shares
Property & Infrastructure
Alternative assets
Higher yielding fixed interest
Defensive fixed interest & Cash assets
(%)
25-50
25-50
0-15
0-10
0-10
<10-40
Target Growth Exposure range (%)
75
Investment Objectives
CPI + 2.75% over 6 years
Risk level
High
It is estimated that there will be between 4 and 6 negative annual returns over any 20 year period
 

Investment profile for 55 years old individual*

 
 
 
*Investment mix shown is an example only. The percentage of each asset class will change in line with the investment objectives based on your age.

Asset Allocation ranges

Australian Shares
International Shares
Property & Infrastructure
Alternative assets
Higher yielding fixed interest
Defensive fixed interest & Cash assets
(%)
15-45
15-45
0-15
0-10
0-10
20-50
Target Growth Exposure range (%)
65
Investment Objectives
CPI + 2.25% over 5 years
Risk level
Medium to High
It is estimated that there will be between 4 and 6 negative annual returns over any 20 year period
 

Investment profile for 60 years old individual*

 
 
 
*Investment mix shown is an example only. The percentage of each asset class will change in line with the investment objectives based on your age.

Asset Allocation ranges

Australian Shares
International Shares
Property & Infrastructure
Alternative assets
Higher yielding fixed interest
Defensive fixed interest & Cash assets
(%)
15-45
15-45
0-15
0-10
0-10
20-50
Target Growth Exposure range (%
55
Investment Objectives
CPI + 1.75% over 4 years
Risk level
Medium to High
It is estimated that there will be between 4 and 6 negative annual returns over any 20 year period
 

Investment profile for 65 years old individual*

 
 
 
*Investment mix shown is an example only. The percentage of each asset class will change in line with the investment objectives based on your age.

Asset Allocation ranges

Australian Shares
International Shares
Property & Infrastructure
Alternative assets
Higher yielding fixed interest
Defensive fixed interest & Cash assets
(%)
5-35
5-35
0-15
0-10
0-10
40-70
Target Growth Exposure range (%)
45
Investment Objectives
CPI + 1.5% over 4 years
Risk level
Medium to High
It is estimated that there will be between 4 and 6 negative annual returns over any 20 year period
 

Investment profile for 70 years old individual*

 
 
 
*Investment mix shown is an example only. The percentage of each asset class will change in line with the investment objectives based on your age.
For more information about our MySuper LifeStage Tracker Investment option, please refer to our Product Disclosure Statement and Product Guide and Product Dashboard.

Choose your own investment mix

If you want to take more control of where your super is invested our selection of investment options gives you the ability to invest your money where you’re most comfortable. That way you can take more control of your future.

 

You can choose a single option, or a mix of options from any of the investment options detailed below. There is also no limit on the number of options you can select to be invested in.

 
 

Asset Choice Menu

Indexed Australian Shares

Objective
This option invests mainly in Australian shares. The option takes an indexed investment approach. It is designed for customers who want exposure to growth assets and can tolerate a high level of risk cover over ten years.
Benchmark Growth Allocation
100%
Risk Level
Medium to High
Minimum suggested
investment timeframe
At least 10 years
 

Indexed International Shares

Objective
This option invests mainly in global shares. International currency exposure is unhedged. The option takes an indexed investment approach. It is designed for customers who want exposure to growth assets and can tolerate a high level of risk over 10 years.
Benchmark Growth Allocation
100%
Risk Level
Medium to High
Minimum suggested
investment timeframe
At least 10 years
 

Australian Listed Property

Objective
This option invests mainly in Australian listed property. It is designed for customers who want exposure to growth assets and can tolerate a high level of risk over 10 years.
Benchmark Growth Allocation
100%
Risk Level
High
Minimum suggested
investment timeframe
At least 10 years
 

Cash Option

Objective
To maintain the invested capital and to achieve a return above that available on bank bills as measured by the Bloomberg AusBond Bank Bill Index on an annual basis. It is designed for customers who want no exposure to growth assets and can tolerate a very low level of risk over one year or less.
Benchmark Growth Allocation
0%
Risk Level
Very Low
Minimum suggested
investment timeframe
1 year or less
 

Indexed Diversified Shares

Objective
This option invests mainly in Australian and international shares. International currency exposure may be hedged. The option takes an indexed investment approach. It is designed of customers who want exposure to growth assets and can tolerate a high level of risk over ten years.
Benchmark Growth Allocation
100%
Risk Level
Medium to High
Minimum suggested
investment timeframe
At least 10 years
 
 

Enhanced Indexed Growth

Objective
This option invests across most asset classes but mainly in growth assets. The option predominantly takes an indexed investment approach, but with a small amount of active management. It is designed for customers who want exposure to mainly growth assets an can tolerate a high level of risk over 5 years. The option aims to achieve a return of CPI + 3% (after tax and investment fees) per annum over a rolling 3 year period.
Benchmark Growth Allocation
70%
Risk Level
High
Minimum suggested
investment timeframe
At least 5 years
 
 

Enhanced Indexed Conservative Growth

Objective
This option invests across most asset classes but mainly in defensive assets. The option predominantly takes an index investment approach, but with a small amount of active management. It is designed for customer who want exposure to mainly defensive assets and can tolerate a low to medium level of risk over 3 years. The option aims to achieve a return of CPI + 1.5% (after tax and investment fees) per annum over a rolling 3 year period.
Benchmark Growth Allocation
30%
Risk Level
High
Minimum suggested
investment timeframe
At least 3 years
 
 

For more information about our LifeStage Tracker ®Investment option, please refer to our Product Disclosure Statement and Product Guide and Product Dashboard
 

Switching your investment options is easy

Your investment options are all managed via your online account, so you can truly manage your money for your future. Change your investment mix as often as you like, at any time, for no extra cost.

Want help investing your money?

Get simple super advice from qualified financial advisers via our specialist Helpline Advice Service at no additional cost to you.

Our Helpline Advice Team can help you make key decisions about your superannuation, including:

  • Rollovers and consolidation
  • Investment choice selections
  • Nominating an appropriate regular super contribution versus paying down debt
  • Co-contributions
  • Spouse contribution splitting
  • Selection of insured benefit levels
  • Salary sacrifice and additional voluntary contributions

Our advisers will prepare you a written Statement of Advice and send it to you as part of our service. We can even help you put that advice into action on the spot.

Are you an existing customer? Call us on 1300 652 770 for your free advice.

Get started now
with Virgin Money Super
 

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.