Super Investment Options

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Investment options

We don’t believe in one size fits all. Your super is your money, but we also know figuring out where to invest it can be hard for some. That’s why we offer options to suit you. Take a look at our super investment options to help you decide which is best for you.

Invest my money

LifeStage Tracker^®

Not overly confident about managing your investments? No problem! The LifeStage Tracker option has a whole of life approach to investing your super and does all the hard work for you.

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

How does it work?

When you join LifeStage Tracker, you’re allocated a ‘path’, based on the year of your birth. Your path is automatically adjusted to help ensure your asset mix is in line with your life stage. The investments slowly shift from growth, or ‘higher-risk’ assets, to defensive or ‘lower-risk’ assets.

When you’re younger, LifeStage Tracker starts with a higher allocation of growth assets (growth 90% and defensive 10%). As you get older, your exposure to growth asses will gradually reduce to reduce volatility in the years leading up to your retirement. This gradual adjustment continues until the allocation reaches approximately 50% growth and 50% defensive at 70. This gradual adjustment to the asset allocation is called the glidepath.

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

How will your super will be invested based on your 'path'?

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

Select the date range that captures your year of birth

Investment profile for anyone born after 1973*

*Investment Mix shown is as at 28 June 2024. The percentage of each asset class will change in line with the investment objectives based on your age.

Target growth exposure range
90%
Investment objectives
CPI + 3.0% p.a. over 10 years
Risk level
High It is estimated that there will be between 4 and 6 negative annual returns over any 20 year period.

ASSET ALLOCATION RANGES (%)
Australian shares	20-50
International shares	30-60
Real assets	0-25
Alternative assets	0-10
Growth fixed interest	0-15
Defensive fixed interest & cash assets	0-20

Investment profile for anyone born between 1969 to 1973*

*Investment Mix shown is as at 28 June 2024. The percentage of each asset class will change in line with the investment objectives based on your age.

Target growth exposure range
90%
Investment objectives
CPI + 3% p.a. over a period of 10 years
Risk level
High It is estimated that there will be between 4 and 6 negative annual returns over any 20 year period.

ASSET ALLOCATION RANGES (%)
Australian shares	20-50
International shares	30-60
Real assets	0-25
Alternative assets	0-10
Growth fixed interest	0-15
Defensive fixed interest & cash assets	0-20

Investment profile for anyone born between 1964 to 1968*

*Investment Mix shown is as at 28 June 2024. The percentage of each asset class will change in line with the investment objectives based on your age.

Target growth exposure range
77%
Investment objectives
CPI + 2.5% p.a. over a period of 10 years
Risk level
High It is estimated that there will be between 4 and 6 negative annual returns over any 20 year period.

ASSET ALLOCATION RANGES (%)
Australian shares	15-45
International shares	25-55
Real assets	0-25
Alternative assets	0-10
Growth fixed interest	0-15
Defensive fixed interest & cash assets	5-35

Investment profile for anyone born between 1959 to 1963*

*Investment Mix shown is as at 28 June 2024. The percentage of each asset class will change in line with the investment objectives based on your age.

Target growth exposure range
64%
Investment objectives
CPI + 2.0% p.a. over a period of 7 years
Risk level
High It is estimated that there will be between 4 and 6 negative annual returns over any 20 year period.

ASSET ALLOCATION RANGES (%)
Australian shares	10-40
International shares	15-45
Real assets	0-25
Alternative assets	0-10
Growth fixed interest	0-15
Defensive fixed interest & cash assets	20-50

Investment profile for anyone born between 1954 to 1958*

*Investment Mix shown is as at 28 June 2024. The percentage of each asset class will change in line with the investment objectives based on your age.

Target growth exposure range
50%
Investment objectives
CPI + 1.00% p.a over a period of 7 years
Risk level
Medium to High It is estimated that there will be between 3 and 4 negative annual returns over any 20 year period.

ASSET ALLOCATION RANGES (%)
Australian shares	5-35
International shares	10-40
Real assets	0-25
Alternative assets	0-10
Growth fixed interest	0-15
Defensive fixed interest & cash assets	30-60

Investment profile for anyone born before 1954*

*Investment Mix shown is as at 28 June 2024. The percentage of each asset class will change in line with the investment objectives based on your age.

Target growth exposure range
50%
Investment objectives
CPI + 0.5% p.a. over 7 years
Risk level
Medium to High It is estimated that there will be between 3 and 4 negative annual returns over any 20 year period.

ASSET ALLOCATION RANGES (%)
Australian shares	5-35
International shares	10-40
Real assets	0-25
Alternative assets	0-10
Growth fixed interest	0-15
Defensive fixed interest & cash assets	30-60

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.

How does it work?
There is no limit on the number of options you can select to be invested in. You can choose a single option, or a mix of options from any of our investment options listed below:
- Indexed Australian Shares
- Indexed International Shares
- Indexed Australian Listed Property
- Cash Option
- Indexed Diversified Shares
- Enhanced Indexed Growth
- Enhanced Indexed Conservative Growth
What is the breakdown of each investment option?

Select an investment option

Investment 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.

Target growth allocation Risk level Minimum suggested investment timeframe
100% High At least 10 years

Investment objective

This option invests mainly in international shares. International currency exposure is generally 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 ten years.

Target growth allocation Risk level Minimum suggested investment timeframe
100% High At least 10 years

Investment objective

This option invests mainly in Australian listed property. The option takes an indexed investment approach. It is designed for customers who want exposure to growth assets and can tolerate a very high level of risk over ten years.

Target growth allocation Risk level Minimum suggested investment timeframe
100% Very High At least 10 years

Investment objective

This option invests mainly in cash. 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.

Target growth allocation Risk level Minimum suggested investment timeframe
0% Very Low 1 year or less

Investment 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.

Investment Mix shown is as at 28 June 2024.

Target growth allocation
100%
Risk level
High

Minimum suggested investment timeframe
At least 10 years

Investment 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.

Investment Mix shown is as at 28 June 2024.

Target growth allocation
75%
Risk level
High

Minimum suggested investment timeframe
At least 7 years

Investment 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.

Investment Mix shown is as at 28 June 2024.

Target growth allocation
35%
Risk level
Medium

Minimum suggested investment timeframe
At least 5 years

Want help investing your money?

Get Simple Super Advice from qualified financial advisers via our specialist Customer Care advice service at no additional cost to you. Our Customer Care advice team can help you make key decisions about your superannuation, including:

Investment choice selections
Making additional contributions to your super
Co-contributions
Spouse contribution splitting
General advice on retirement strategies
Selection of insured benefit levels
Salary sacrifice and personal voluntary contributions
Transition to retirement

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 complimentary advice.

Still want to know more about Virgin Money Super?

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General Enquiries
1300 652 770
8am-6pm AEST,
Mon-Fri

Employer Hotline
1300 855 040
9am-5pm AEST,
Mon-Fri

Virgin Money Super Fund Details

Fund ABN
19 905 422 981

Fund USI
19905422981701

Additional information

This information is of a general nature only and does not take into account your personal financial situation, needs or objectives. Please consider your own personal financial circumstances and consider the Product Disclosure Statement, Target Market Determination (TMD), Product Guide, Insurance Guide, Sustainable Investment Information booklet and Financial Services Guide before taking any action in relation to your superannuation, making a contribution, or asking your employer to contribute to Virgin Money Super for you. You should consider the suitability of superannuation and Virgin Money Super’s Product Disclosure Statement before making a decision on your superannuation investments, making a contribution, or asking your employer to contribute to Virgin Money Super for you. 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 SIS Act definitions 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. You should consider the relevant Product Disclosure Statement. Please note this information does not constitute personal financial product advice, and you may wish to consult your financial adviser before making a decision about whether Virgin Money Super fits your objectives, financial situation and needs. If you are considering making voluntary contributions into your Virgin Money Super account, you should consider your personal circumstances, the impact of such contributions to your contribution caps, as well as associated taxation issues before making any decision on making voluntary contributions. Concessional tax rates do not apply on contributions which exceed government contribution limits. See the ‘How Super is Taxed’ section of the Virgin Money Super Product Guide and the contribution fact sheet on our website for more information about contribution types and limits.

Please refer to our the Product Guide and MySuper Product Dashboard for further information.

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.

Prepared by Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 AFSL 286869 (‘Virgin Money’). 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.

Virgin Money Financial Services Pty Ltd ABN 51 113 285 395 (Virgin Money) provides and operates Virgin Money's Super Engagement Program. To earn and redeem Velocity Points, you must be a Velocity member. Velocity Frequent Flyer issues Velocity Points on instruction from Virgin Money. Velocity is not responsible for the material in this document and does not hold an AFSL. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at www.velocityfrequentflyer.com, as amended from time to time. Virgin Money reserves the right to change or withdraw Virgin Money’s Super Engagement Program at any time in line with the Terms & Conditions.

For Employers

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.

Things you need to know