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.

Invest based on your year of birth

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?

Super Investment based on age

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.

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

  • After 1978
    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 a 30 year old individual*

    Asset allocation ranges

    (%)
    Australian shares 25-55
    International shares 25-55
    Property & infrastructure 0-15
    Alternative assets 0-10
    Higher yielding fixed interest 0-10
    Defensive fixed interest & cash assets 0-30

    *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.

  • 1974 - 1978
    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 a 40 year old individual*
    Asset allocation ranges (%)
    Australian shares 25-55
    International shares 25-55
    Property & infrastructure 0-15
    Alternative assets 0-10
    Higher yielding fixed interest 0-10
    Defensive fixed interest & cash assets 0-30

     

    *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.

  • 1969 - 1973
    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 a 45 year old individual*
    Asset allocation ranges (%)
    Australian shares 25-55
    International shares 25-55
    Property & infrastructure 0-15
    Alternative assets 0-10
    Higher yielding fixed interest 0-10
    Defensive fixed interest & cash assets 0-10

    *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.

  • 1964 - 1968
    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 a 50 year old individual*
    Asset allocation ranges (%)
    Australian shares 25-55
    International shares 25-55
    Property & infrastructure 0-15
    Alternative assets 0-10
    Higher yielding fixed interest 0-10
    Defensive fixed interest & cash assets 0-30

    *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.

     

  • 1959 - 1963
    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 a 55 year old individual*
    Asset allocation ranges (%)
    Australian shares 25-50
    International shares 25-50
    Property & infrastructure 0-15
    Alternative assets 0-10
    Higher yielding fixed interest 0-10
    Defensive fixed interest & cash assets <10-40

    *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.

  • 1954 - 1958
    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 a 60 year old individual*
    Asset allocation ranges (%)
    Australian shares 15-45
    International shares 15-45
    Property & infrastructure 0-15
    Alternative assets 0-10
    Higher yielding fixed interest 0-10
    Defensive fixed interest & cash assets 20-50

    *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.

  • 1949 - 1953
    Target growth exposure range (%)
    55
    Investment objectives
    CPI + 1.725% 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 a 65 year old individual*
    Asset allocation ranges (%)
    Australian shares 15-45
    International shares 15-45
    Property & infrastructure 0-15
    Alternative assets 0-10
    Higher yielding fixed interest 0-10
    Defensive fixed interest & cash assets 20-50
    *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.
  • Before 1949
    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 a 70 year old individual*
    Asset allocation ranges (%)
    Australian shares 5-35
    International shares 5-35
    Property & infrastructure 0-15
    Alternative assets 0-10
    Higher yielding fixed interest 0-10
    Defensive fixed interest & cash assets 40-70

    *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.

Choose your own investment mix

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.

choice-investment-options-graph

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 year
  • 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 year
  • 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 year
  • 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 year
  • 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 year
  • 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 year

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

More about Virgin Money Super

Virgin Money Superannuation - Our Super performance

Our super performance

Find out more

Virgin Money Superannuation - Super fees

Virgin Money Super fees

Find out more

Virgin Money Superannuation - Insurance options

Our insurance options

Find out more

Virgin Money Superannuation - Managing super

How to manage your super

Find out more

Any questions?
We're here to help

Online enquiry form

Send us your super enquiry today. We'll respond within 1 business day.

Customer Care team

Talk to our Customer Care team on 1300 652 770
Mon-Fri 8am-6pm (AEST) apart from public holidays.