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Capital Secure
Summary A low risk option investing predominantly in income generating assets such as cash and fixed income (eg bond) investments.
Investment objective1 FutureSaver & Flexible Income with the TTR* Feature
CPI + 1.25% pa over rolling 10-year periods after taking into account fees, costs and tax.
Flexible Income
CPI + 1.75% pa over rolling 10-year periods after taking into account fees, costs and tax.
Growth/income allocation2 Growth assets - Target: 25% Range: 5% - 45%
Income assets - Target: 75% Range: 55% - 95%
Strategic asset allocation2
Australian equities
International equities
Private equity
Infrastructure & real assets
Property
Liquid alternatives (Growth)
Liquid alternatives (Defensive)
Credit income
Fixed income
Cash

Currency exposure3
Target
5%
8%
0%
6%
6%
0%
0%
4%
25%
46%

6%
Range
0% - 15%
0% - 18%
0% - 20%
0% - 26%
0% - 26%
0% - 0%
0% - 20%
0% - 24%
0% - 50%
1% - 85%

0% - 18%
Target
6%
7%
0%
6%
6%
0%
0%
4%
25%
46%

5%
Range
0% - 16%
0% - 17%
0% - 20%
0% - 26%
0% - 26%
0% - 0%
0% - 20%
0% - 24%
0% - 50%
1% - 85%

0% - 17%
Minimum suggested investment timeframe Short to medium term (3 years)4
Standard Risk Measure5 2 - Low

Estimated number of negative annual returns over any 20-year period5 0.5 to less than 1

Who might invest in this option? This option may suit investors seeking fairly stable returns over the short to medium term with a low risk of capital loss. However, remember that in return for shorter term stability you may be sacrificing the potential for higher long-term returns.


* Transition to Retirement
1. The investment objectives do not constitute a forecast or guarantee of future performance or the future rates of return of the investment option.
2. We may vary the asset allocation for an investment option from time to time. Each of the asset classes may include small cash balances for portfolio management purposes. View the latest asset allocations.
3. These currency exposure targets and ranges refer to the proportion of assets that are subject to foreign exchange rate movements. The actual currency exposure in place at a point in time depends on market conditions and the liquidity needs of the investment option. In addition, the Trustee may change the currency exposure targets or ranges from time to time.
4. An investment horizon of 3 years is suggested as it provides greater confidence of the investment objective being achieved. However, the low likelihood of a negative return also makes this option suitable for shorter investment horizons (1 to 3 years).
5. For more information on the methodology used to determine risk measures and the estimated number of annual negative returns, refer to Standard Risk Measures in the How we invest your money Member Guide (for FutureSaver) or the Flexible Income PDS (for Flexible Income).
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