Virgin Money’s superannuation fund option that automatically adjusts your asset allocation and investment blend from growth to defensive as you get older. It factors in the likely possibility that markets will go through temporary stages of volatility, especially after periods of strong performance. All you need to consider is the level of risk and return you’re most comfortable with, and choose your preferred investment option - we’ll take care of the rest.

Step one – think about your risk profile

People getting closer to retirement may be less tolerant to risk. That’s because it’s likely they’ve got more cash in their super fund and less time to recover any short-term losses that could occur.

Younger people generally have a longer investment timeframe. This means they can invest more comfortably in growth assets, such as shares and property, and therefore maximise their potential for higher returns. Read about switching your investment options.

Step two – select your LifeStage

• Balanced – for people who want mid to long-term growth while maintaining risk at a moderate level. This option has a strategic mix of assets right across the investment spectrum, specifically to target moderate returns (cash/fixed interest, property, Australian and international shares).
• Aggressive – as the name suggests, this is for people who don’t mind taking on more risk for the potential of higher returns. It comprises a greater proportion of growth assets (shares and property).

Check out the below graph to see how it works.

AGE OF MEMBER
You choose a LifeStage Tracker® option - Aggressive or Balanced -
and we'll automatically adjust the asset allocation mix according to your age.

Your money is moved as you get older
As LifeStage members get older, we change the investment mix automatically. We do this to reduce risk and give member funds greater stability as retirement gets closer.  What are the LifeStage Tracker® investment mixes?

Changing your investment mix – some food for thought
Your personal circumstances and the investment market can change over time, so you may need to re-evaluate your investment options from time to time. You can switch between our 'Balanced' and 'Aggressive' option whenever you like OR take more control and move to Select Your Own.

To help members with this bigger picture thinking, we update this website with quarterly market performance reports, and send out personal snapshots every six months.

If LifeStage Tracker® doesn’t seem quite right for you, check out our Select Your Own super option, where you can choose the exact investment mix you want, right down to your preferred asset classes.