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I often tell people that although the details of superannuation can be complex, at its core it’s really quite simple: it’s about delivering strong risk-adjusted returns for members, while keeping fees low.

That’s what we’re focused on at Vision Super, and we continued to deliver strong results last year. Balanced growth – our default super option where most of our members (including me) are invested – returned 14.7% for the year ending 31 December. Over three years it returned 9.13% pa*.

The pension plan returns are similarly strong where the Balanced growth option returned 16.25% for the year ending 31 December, and over three years returned 10.20%*.

We’re also very conscious that every dollar saved means lower costs, and in the end that means more for members’ retirements. We’ve continued to reduce our expense ratios over the last year – largely through trapping costs as funds have grown, and through renegotiating investment fees – and have reduced fees for members again. In October 2013, a member with $50,000 in their Balanced growth Super Saver account was paying $598 a year in fees, and today they’re paying $488.


Date Flat dollar
admin fee
(per week)
Asset based
admin fee#
Investment fees
(Balanced growth)
Reserving margin Example fee on
$50,000 balance
1 Oct 2013 $1.50 0.18% 0.80% 0.06% $598
Current $1.50 0.14% 0.66% 0.02% $488


Vision Super enters 2020 with a strong focus on environmental, social and governance (ESG) issues. Last year we were rated in the top two funds in the country for proxy voting by the Australasian Centre for Corporate Responsibility (ACCR) and were recognised as a world leader by the Principles of Responsible Investment (PRI), with A+ or A ratings across the board in their report. We will continue engaging with the companies we invest in for members, to improve their performance over the long-term and reduce their impact on global warming.

Along with striving to provide great customer service and investment growth, we will continue sending you quarterly balance updates, investment updates, and financial and lifestyle articles that may be of interest to you.

As always, I would welcome hearing from you with any thoughts or ideas you have about our products or services and wish you all the best for 2020.


Stephen Rowe



* Investors should be aware that returns may go up and down, so past returns are not a guarantee of future performance.
# Capped at $540.

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