Choosing your investment options
How do I choose my investment option when I join?
If you are joining VicSuper Beneficiary Account or a VicSuper Pension, you can specify the investment option, or mix of options, that suits your needs on your application form.
You become a member of VicSuper Scheme when your employer registers you with VicSuper. At this time, your account is automatically placed in the Growth Option (VicSuper's default option). You can choose to change your investment option to another VicSuper investment option, or mix of options, at any time once you're registered as a member of VicSuper Scheme.
What if I don't choose an investment option when I join?
If you do not select an investment option when you join or you were registered by your employer as a member of VicSuper Scheme, your account will be placed automatically in the Growth Option (VicSuper's default option). Your savings will remain in this option until you change your investment option, or mix of options.
Changing your investment options
How to change your investment options
You may change your investment option, or mix of options, via VicSuper MembersOnline or by filling in the appropriate form as explained below.
If you are a VicSuper Beneficiary Account or VicSuper Scheme member, you simply need to complete a 
Change_your_investment_options form (V501) indicating which option, or mix of options, you'd like your savings invested in and return it to VicSuper.
If you are a VicSuper Pensions member you can complete the Change your investment options VicSuper Pensions form (V502) and return it to VicSuper.
These forms can be downloaded from Forms or you can call our Member Centre on toll free 1300 366 216 to have a form sent to you. You can also change your investment options via VicSuper MembersOnline.
How often can I change my investment option?
You can change your investment option, or mix of options, once a month.
When will my change take effect?
Your change of investment option/s will apply depending on the date your request is received by VicSuper:
- If your request to change investment options is received before or on the 25th day of the month, the change will apply from the first day of the next month.
- If your request to change investment options is received after the 25th day of the month, the change will apply from the first day of the month following the next month. For example, if VicSuper received your request on 26 January, the change will apply from 1 March.
- Once your request to change investment options has been received, it cannot be withdrawn or overridden. Each request will be processed in order, taking effect on the first day of each subsequent month.
What does it cost to change my investment option?
VicSuper doesn't charge a fee for changing your investment option. However, it's important to be aware that when you change your investment option, net earning rates will be applied to your account balance.
Rebalancing your investment options
If you chose more than one investment option, 'rebalancing' allows you to realign your account balance with your nominated investment split at 1 July each year. To rebalance your investment options, please complete this Rebalance your investment option allocation (V503) and send it to VicSuper at GPO Box 89 , Melbourne 3001.
About the investment objectives
VicSuper's 10-year investment return objectives
Each VicSuper Fund investment option for VicSuper Beneficiary Account and VicSuper Scheme is designed to generate an expected annual investment return over rolling 10-year periods (which is after tax has been deducted and above the annual rate of increase in inflation). For VicSuper Pensions, each investment option is designed to generate an expected annual investment return over rolling 10-year periods (above the annual rate of increase in inflation). We believe this is an appropriate timeframe to measure superannuation investment performance.
About the investment objectives
The investment objectives are based on modelling by Frontier Investment Consulting Pty Ltd and are subject to review. Frontier Investment Consulting Pty Ltd has consented to this information being included in this website. It is important to note that this information is predictive in character, may be affected by inaccurate assumptions or by known or unknown risks and uncertainties, and may differ materially from results ultimately achieved.
