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Your savings are working hard for you

Positive returns for members through industry leading performance*

Positive returns across all investment options for the 6-month period to 31 December 2020 means we continue to deliver top-10 performance*. This is a great outcome for members, particularly given the challenging year in 2020.

Equities (shares) led the rebound in markets, rising strongly since their March 2020 lows. This means that options such as Equity Growth and Growth, with a higher allocation to equities, benefited most.

Strong performance for super members

Over 70% of members are invested in our default FutureSaver Growth (MySuper) investment option, which delivered industry-leading, top-10 performance over the 1, 3, 5, 7 and 10 years to 31 December 2020*.

Members in our Growth option benefited from a strong return of 9.7% over the 6 months to 31 December 2020, locking in top-10 performance for the calendar year* and bolstering 1-year returns.

Despite the market falls in the first half of the year, the returns of all our diversified options are above their investment objectives over rolling 10-year periods.

This means your savings are working hard, helping you retire with more.

 

Strong long-term investment returns

Investment graph as at 31 Dec 2020

The VicSuper FutureSaver Growth MySuper Accumulation product achieved top quartile returns (50 funds), for the 12-months ending 31 December 2020, as well as top quartile average annual returns for the ten-year period ending 31 December 2020, SuperRatings Fund Crediting Rate Survey, SR50 Balanced (60-76) Index. For the latest investment returns please visit vicsuper.com.au. Returns are net of investment fees, expenses and taxes, but before the deduction of administration fees. Investment returns are not guaranteed, past performance is not an indicator of future performance.~ Source: Aware Super

 

If you are in our retirement strategies, it’s also good news...

All our Flexible Income without Transition to Retirement investment options delivered positive returns for the 6 months to 31 December 2020 as markets rebounded.

Members invested in our Flexible Income (without Transition to Retirement) Growth option enjoyed returns of 10.2% for the 6 months to 31 December 2020, and can take comfort in top-10 performance over 1, 3, 5, and 10 year periods#.

You can take comfort that your super is invested in a diversified mix of good quality assets that can grow your savings over time, riding out the impacts of short-term market falls.

Did you switch during the COVID-19 market volatility?

The swift rebound from the market falls in March 2020 shows the importance of super as a long-term investment and keeping your retirement savings invested.

Switching to a more conservative option during volatility can lock in a loss. It’s also tricky to time your move back into more growth-oriented investments, meaning you may miss out on any market recovery.

Typically, the longer you remain invested, the less impact short-term dips in the market will have on your retirement savings. This can be seen in our continued strong returns over 10-year periods.

If you switched your investments during the market falls last year, you may want to reconsider whether you’re invested in the right option(s) for you and your retirement goals.

 

The importance of staying invested

Equity Growth option vs switching to cash option 

The chart shows the historical unit price movements of investing in the FutureSaver Equity Growth option versus switching to FutureSaver Cash option on 23rd March 2020. Contributions, withdrawals, fees and insurance premiums are not modelled. Past performance is not a reliable indicator of future performance. For more information on each option, including return objectives and Standard Risk Measures, please read the relevant Member Guide available on our website.

 

Choosing the right investment option

You can access simple advice at no cost as a member of VicSuper. So if you’re not sure which investment option is right for you, we’re here to help. Contact us.

 

 

 * SuperRatings Fund Crediting Rate Survey, December 2020. SR50 Balanced (60-76) Index. The VicSuper FutureSaver Growth (MySuper) option was a top-10 performer over the 6 month, 1, 3, 5, 7 and 10-year periods to 31 December 2020. Past performance is not a reliable indicator of future performance.
^ VicSuper FutureSaver Equity Growth option.
# SuperRatings Pension Fund Crediting Rate Survey, December 2020. SRP50 Balanced (60-76) Index. VicSuper Growth option was a top-10 performance over the 1, 3,5 and 10-year periods to 31 December 2020.
We’re here to help

If you’d like more information, or if we can help, don’t hesitate to get in touch.