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Experience the best of both worlds

Not yet ready to commit to full retirement? Keen to reduce your working hours but not your income?

The VicSuper Flexible Income with the Transition to Retirement (TTR) feature can help give you a little bit of each. Some conditions apply.

Download the PDS

 

TTR explained
  • Reduce your working hours (if you wish)
  • Continue to build your super savings
  • Supplement your income with a portion of retirement income
  • Benefit from potential tax advantages
Not sure if retirement is for you?

Explore our resources and learn more.

Expert advice

Being one of our members means never having to go it alone, because we’re with you all the way. Our financial planners can explain how a transition to retirement strategy can work for you, and show you how to minimise your tax and maintain your income.

Book in for a chat

Invest your money the way you want (and we can help you choose)

Retirement isn’t the end point – it’s a whole new beginning. With nine investment options to choose from, we think you’ll find an investment option that suits your changing needs while you’re transitioning to new adventures.

  • 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 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.

    Learn more

  • Equity Growth

    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.

    Learn more

  • Socially Conscious

    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%.

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  • Balanced

    Our Balanced option has a target allocation to growth assets of 57% and it is best suited to those with a medium tolerance for risk and a five-year plus investment time frame.

    Learn more

  • Capital Stable

    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.

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  • Capital Secure

    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.

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  • Australian Shares

    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.

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  • Cash

    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.

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  • Term Deposit

    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.

    Learn more

Manage your retirement income on the go

Haven’t got the mobile app yet? Download and log into the VicSuper mobile app for your chance to WIN an iPhone 12. T&Cs apply.

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.

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