Choosing and changing options

With nine investment options to choose from, there’s an option to suit you.

How you invest your savings can make a big difference to your super balance and retirement income.

Decide how you'd like your money invested by choosing from our nine investment options.

If you don't choose an investment option when you become a VicSuper member, your savings are invested in the Growth (MySuper) Option which is our default option.

You might like to consider reviewing your investment needs and changing your option if necessary.

Three things to consider when choosing an option

1. Know your tolerance for risk and your investment timeframe

   Generally, the higher the risk, the higher the long-term returns are expected to be. And the longer your investment timeframe, the more likely it is that you will be able to ride out the ups and downs associated with higher risk options. Read our investment basics and the relevant Target Market Determination (TMD). 

2. Compare VicSuper’s investment options

   Each of our nine options has a different investment strategy, return objective and risk measure. Compare our investment options to find an option that's right for you.

3. Choose an option

   You can choose one investment option or create a tailored strategy by splitting your savings across multiple options.
   
   If you're a VicSuper FutureSaver member you can also specify whether you want to change your options for your entire account balance or just for your future contributions.

Things you should know

VicSuper does not charge fees for changing your investment options.

Once a change has been submitted it cannot be cancelled. There is no limit on the number of times you can change your investment options.

Once you submit a change, we cannot process another change until your initial change has been processed. This generally takes three business days.

If you are invested in a term deposit you cannot change your investment options while the maturity is being processed. This generally takes three business days

If you’re a VicSuper Flexible Income member you can request a rebalance of your investment options via MembersOnline or by completing a Change your investment options form.

We have qualified financial planners who can help you work out an investment strategy or the best option for you. Find out more about our advice service.