VicSuper's range of investment options covers the varying levels of investment risk and therefore expected return that you may seek from your super savings.

VicSuper members can choose one or a mix of our nine investment options:

Each of VicSuper's investment options has a Standard Risk Measure ranging from very low for the Cash, Capital Secure and Term Deposit Options, through to very high for the Australian Shares Option.

Broadly speaking, investment options vary because of the mixture of growth and income assets in them. Options with a high allocation to growth assets typically experience greater volatility, meaning the unit price will go up and down more frequently and the likelihood of negative returns in any one financial year is higher. Options with a lower percentage of growth assets (and higher percentage of defensive assets) are less volatile and less likely to have negative returns in any one financial year.


Definitions

  • Growth assets - typically higher in risk and therefore generally produce higher returns in the long term (eg shares). Growth assets have the potential to return a capital gain or loss (as opposed to defensive assets which are mainly only income producing).
  • Defensive assets - typically lower risk and generally produce lower returns over the long term (eg bonds or cash). Defensive assets generally derive the majority of returns from income.
  • Real assets – includes property, infrastructure, timber and agriculture and is classified as 50% growth and 50% defensive.

Standard Risk Measure

The Standard Risk Measure is based on industry guidance to allow members to compare investment options that are expected to deliver a similar number of negative annual returns over any 20-year period.

The Standard Risk Measure is not a complete assessment of all forms of investment risk, for instance it does not detail what the size of a negative return could be or the potential for a positive return to be less than a member may require to meet their objectives. Further, it does not take into account the impact of administration fees and tax on the likelihood of a negative return.

VicSuper assesses the Standard Risk Measure for each of its investment options based on the option's strategic asset allocation.

Members should not rely exclusively on the Standard Risk Measure and should still ensure they are comfortable with the risks and potential losses associated with their chosen investment option/s.

VicSuper's range of investment options covers the varying levels of investment risk and therefore expected return that you may seek from your super savings.

VicSuper members can choose one or a mix of our nine investment options:

Each of VicSuper's investment options has a Standard Risk Measure ranging from very low for the Cash, Capital Secure and Term Deposit Options, through to very high for the Australian Shares Option.

Broadly speaking, investment options vary because of the mixture of growth and income assets in them. Options with a high allocation to growth assets typically experience greater volatility, meaning the unit price will go up and down more frequently and the likelihood of negative returns in any one financial year is higher. Options with a lower percentage of growth assets (and higher percentage of defensive assets) are less volatile and less likely to have negative returns in any one financial year.


Definitions

  • Growth assets - typically higher in risk and therefore generally produce higher returns in the long term (eg shares). Growth assets have the potential to return a capital gain or loss (as opposed to defensive assets which are mainly only income producing).
  • Defensive assets - typically lower risk and generally produce lower returns over the long term (eg bonds or cash). Defensive assets generally derive the majority of returns from income.
  • Real assets – includes property, infrastructure, timber and agriculture and is classified as 50% growth and 50% defensive.

Standard Risk Measure

The Standard Risk Measure is based on industry guidance to allow members to compare investment options that are expected to deliver a similar number of negative annual returns over any 20-year period.

The Standard Risk Measure is not a complete assessment of all forms of investment risk, for instance it does not detail what the size of a negative return could be or the potential for a positive return to be less than a member may require to meet their objectives. Further, it does not take into account the impact of administration fees and tax on the likelihood of a negative return.

VicSuper assesses the Standard Risk Measure for each of its investment options based on the option's strategic asset allocation.

Members should not rely exclusively on the Standard Risk Measure and should still ensure they are comfortable with the risks and potential losses associated with their chosen investment option/s.

  • Find out more about socially conscious investing
    Find out more about socially conscious investing

    Find out more about the environmental and social objectives, underlying investment methodology, and features of VicSuper’s Socially Conscious investment option.
    Find out more about the environmental and social objectives, underlying investment methodology, and features of VicSuper’s Socially Conscious investment option.