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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.

Great value

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.

Award winning service and advice

The more you care for your super today – the more it will care for you tomorrow
Solid long-term returns

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.

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.

  • 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.

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Super, it's your money

Explore our online learning hub for more resources and tools.

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.

Protection for your family and your future – because life can be random!

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.

Different types of cover, designed to suit your stage of life
No bills, no hassles – premiums deducted straight from your account
And if you ever need to claim, we’re here to help
Manage your retirement income on the go

Check out how your future’s looking anytime, anywhere, with the VicSuper Mobile App.

Expert advice - when and how you want it

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.

* SuperRatings is an independent superannuation research and ratings company. VicSuper received its highest rating, Platinum, eight years in a row. This is great news for members as it confirms that, in SuperRatings' words, VicSuper is one of the 'best value for money funds' in Australia. The VicSuper FutureSaver product earned these awards when it was part of the Victorian Superannuation Fund. From 1 July 2020, the product is now offered as part of the VicSuper division in the First State Superannuation Scheme. As the product features have not changed, the awards still apply to the VicSuper FutureSaver product.
^ RIAA, Super Fund Responsible Investment Benchmark Report 2018

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