Understanding how investments work
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All about risk and return
All about risk and return
What are risk and return? How can they affect your investments? And how do you strike a balance that works for you?
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Understanding asset classes
Understanding asset classes
Different types of investments are broadly categorised into asset classes. So what are the main asset classes, and what investments do they include?
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Which investment is right for me?
Which investment could be right for me?
The types of investments that could be suited to you can depend on factors such as how long you’ve got to invest, and the level of investment risk you feel comfortable with.
Our investment performance
Our focus is on delivering solid, long-term returns for our members - returns that can help your money go the distance, even in volatile markets.
Invest your money the way you want (and we can help you choose)
It's a long road from your first job until retirement, and your super investments need to be flexible enough to suit any changes in your circumstances. With nine investment options to choose from, we think you'll find something that suits your needs.
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Cash
This option has no allocation to growth assets, with a very low risk of fluctuating returns, making it suited to those with a very low tolerance for risk.
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Term deposit
This option has no allocation to growth assets, making it suited to those with a very low tolerance for risk. Once selected, the interest rate and term of the term deposit is locked in and cannot change.
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Capital secure
This option has an allocation to growth assets of approximately 25%. The risk of fluctuating returns is low, making it suited to those with low tolerance for risk and a one-year plus investment time frame.
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Capital stable
This option has an allocation to growth assets of approximately 41%. The risk of fluctuating returns is low to medium, making it suited to those with a low to medium tolerance for risk and a three-year plus investment time frame.
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Balanced
This option has an allocation to growth assets of approximately 61%. The risk of fluctuating returns is medium, making it suited to those with a medium tolerance for risk and a five-year plus investment time frame.
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Socially conscious
This option has an allocation to growth assets of approximately 61%. The risk of fluctuating returns is medium, making it suited to those with a medium tolerance for risk and a five-year plus investment time frame.
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Growth (MySuper)
Our Growth (MySuper) option is our default investment option for our FutureSaver members (it’s the one you’ll be invested in if you don’t make a specific investment choice when you first join us). This option has an allocation to growth assets of approximately 74% and the risk of fluctuating returns is medium to high. It is suited to those with a medium to high tolerance for risk and a seven-year plus investment time frame.
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Equity growth
This option has an allocation to growth assets of approximately 98% and a high risk of fluctuating returns. It is suited to those with a high tolerance for risk and a seven-year plus investment time frame.
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Australian shares
This option has a 100% allocation to growth assets and a very high risk of fluctuating returns. It is suited to those with a very high tolerance for risk and a seven-year plus investment time frame.
Our investment approach
Our investment approach aims to ensure we deliver strong long-term investment returns, to help you grow your retirement savings. We take care when choosing investments to ensure we only take on risk that we believe will be adequately rewarded. We also incorporate environmental, social and governance considerations into our investment decision making process.
Investing and risk go hand in hand
Explore our resources and learn about some of the risks associated with investing in your super.
Investing with a conscience
Investing in your future shouldn’t be at the expense of the world we live in – because that’s one thing that all of our futures are depending on.
Responsible investing
See how we’re incorporating responsible investment principles into what we do, and why we’ve been recognised as a leader in responsible investing by the Responsible Investment Association Australasia*
*RIAA, Super Fund Responsible Investment Benchmark Report 2018
Socially conscious investing
Looking for an investment option that champions your beliefs and values? The Socially Conscious investment option is available for VicSuper FutureSaver and VicSuper Flexible Income members.