Simple super for all Australians
VicSuper FutureSaver offers a simple super account for any Australians of working age. Changing jobs or switching industries? Moving interstate? Taking a break? VicSuper FutureSaver is there for you, even when life gets complicated.
You don’t get a SuperRatings Platinum rating seven years in a row* unless you’re doing a lot right – and that includes keeping our fees competitive for our members. Find out what you'll pay.
If investments were athletes, then your super would be a marathon runner. That’s why 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.
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.
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 VicSuper). This option has a target allocation to growth assets of 75% and is suited to those with a high tolerance for risk and a seven-year plus investment time frame.
Our Equity Growth option has a target allocation to growth assets of 92% and invests in a range of Australian and overseas investments with a strong bias towards capital growth. It is best suited to those with a high tolerance for risk and a ten-year plus investment time frame.
The Socially Conscious option is designed for members who want greater certainty about the environmental and social impact of their investments by avoiding particular industries and companies that don’t align with their values. For FutureSaver and Flexible Income with the Transition to Retirement feature, the option’s risk/return profile is aligned with the Growth option via a 75% target allocation to growth assets. For Flexible Income without the Transition to Retirement feature, the option is aligned with the Balanced option with a lower target allocation to growth assets of 57%.
Our Capital Stable option invests mostly in fixed income and cash with a target allocation to growth assets of 38%. It is best suited to investors with a low to medium tolerance for risk and a four-year plus investment time frame.
The Capital Secure option invests predominantly in income generating assets such as cash and fixed income (eg bond) investments, with a target allocation to growth assets of just 25%. It is best suited to those with low tolerance for risk and a three-year plus investment time frame.
Our single asset class Australian Shares option is a passively managed option that invests in wide range of companies listed on the Australian Securities Exchange (ASX). With a 100% allocation to growth assets and a very high risk of fluctuating returns, it is best suited to those with a very high tolerance for risk and a ten-year plus investment time frame.
Our Cash option primarily invests in term deposits and other short-term debt securities and may suit investors seeking a very low risk short-term investment with very stable but low expected returns.
Our Term Deposit option is a non-unitised option that provides a fixed rate of return for a specified term by investing in term deposits. This option may suit investors who wish to lock in a fixed rate of return for the selected term of the investment to better plan for short to medium-term cash flow needs.
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.
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
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.
Explore our online learning hub for more resources and tools.
Saving for your future is important, but so is protecting those savings – and your future lifestyle along with it. Our insurance has got your back when life throws you a curve ball.
Being a member means never having to go it alone, because we’re with you all the way.
We know retirement planning can be complex, which is why we offer advice over the phone, digitally and face-to-face. You can choose from a range of services we offer, from simple phone advice at no additional fee, through to more complex financial planning on a fee for service basis. You only pay for the service you use.
^ RIAA, Super Fund Responsible Investment Benchmark Report 2018