Your investment options

This option aims to outperform (after fees and taxes) the rate of increases in inflation as measured by the CPI by 1.5% per annum over rolling 15-year periods.

This option aims to outperform (after fees) the rate of increases in inflation as measured by the CPI by 2.0% per annum (1.5% per annum for NCAP) over rolling 15-year periods.

To invest in a diversified portfolio with the aim of achieving the investment objective. The long-term strategic asset class allocation is shown below, together with the indicative range for the actual allocation for each asset class.

1 to less than 2 in 20 years.

4 years.

Members who wish to select a less aggressive asset allocation than the Balanced growth option in exchange for more stability of return.

The risk level of this option is low to medium.

Members invested in this option may be eligible for the Retirement bonus if certain terms and conditions are satisfied. More information.

This option aims to outperform (after fees and taxes) the rate of increases in inflation as measured by the CPI by 2.0% per annum over rolling 15-year periods.

This option aims to outperform (after fees) the rate of increases in inflation as measured by the CPI by 2.75% per annum (2.0% per annum for NCAP) over rolling 15-year periods.

To invest in a diversified portfolio with the aim of achieving the investment objective. The long-term strategic asset class allocation is shown below, together with the indicative range for the actual allocation for each asset class

3 to less than 4 in 20 years.

5 years.

Members that have a moderate to high risk tolerance.

The risk level of this option is medium to high.

Members invested in this option may be eligible for the Retirement bonus if certain terms and conditions are satisfied. More information.

This option aims to outperform (after fees and taxes) the rate of increases in inflation as measured by the CPI by 2.5% per annum over rolling 15-year periods.

This option aims to outperform (after fees) the rate of increases in inflation as measured by the CPI by 3.25% per annum (2.5% per annum for NCAP) over rolling 15-year periods.

To invest in a diversified portfolio with the aim of achieving the investment objective. The long-term strategic asset class allocation is shown below, together with the indicative range for the actual allocation for each asset class.

4 to less than 6 in 20 years.

7 years.

Members who are prepared to accept a more aggressive asset allocation than the ‘Balanced’ option, and are seeking a lower cost investment option. This option has the potential of providing higher returns, but also increases the risk of a negative return.

The risk level of this option is high.

> Simpler option with fewer asset classes and fund managers.
> Index-based equities management.

Members invested in this option may be eligible for the Retirement bonus if certain terms and conditions are satisfied. More information.

This option aims to outperform (after fees and taxes) the rate of increases in inflation as measured by the CPI by 3.0% per annum over rolling 15-year periods and to outperform (after fees and taxes) the median default superannuation fund over rolling three year periods, assessed using the SR50 MySuper Index from the SuperRatings Fund Crediting Rate Survey.

This option aims to outperform (after fees) the rate of increases in inflation as measured by the CPI by 3.75% per annum (3.0% per annum for NCAP) over rolling 15-year periods.

To invest in a diversified portfolio with the aim of achieving the investment objective. The long-term strategic asset class allocation is shown below, together with the indicative range for the actual allocation for each asset class.

4 to less than 6 in 20 years.

6 years.

This option is designed for members who are prepared to accept a more aggressive asset allocation than the ‘Balanced’ option. This option has the potential of providing higher returns, but also increases the risk of a negative return.

The risk level of this option is high.

Members invested in this option may be eligible for the Retirement bonus if certain terms and conditions are satisfied. More information.

This option aims to outperform (after fees and taxes) the rate of increases in inflation as measured by the CPI by 3.5% per annum over rolling 15-year periods.

This option aims to outperform (after fees) the rate of increases in inflation as measured by the CPI by 4.25% per annum (3.5% per annum for NCAP) over rolling 15-year periods.

To invest in a diversified portfolio with the aim of achieving the investment objective. The long-term strategic asset class allocation is shown below, together with the indicative range for the actual allocation for each asset class.

4 to less than 6 in 20 years.

8 years

This option is designed for members who are prepared to accept a more aggressive asset allocation than the ‘Balanced growth’ option. This option has the potential of providing higher returns, but also increases the risk of a negative return.

The risk level of this option is high.

Members invested in this option may be eligible for the Retirement bonus if certain terms and conditions are satisfied. More information.

This option aims to outperform (after fees and before taxes) the Bloomberg Ausbond Bank Bill Index over rolling 3-year periods.

To invest cash in interest-bearing accounts and money market securities such as bank term deposits and bank bills.

100% cash

Less than 0.5 in 20 years. Generally, the return from the Cash option is closely aligned with the cash rate that the Reserve Bank of Australia (RBA) targets. Reflecting this, the return is usually not expected to be negative.

No minimum

This option is designed for members who wish to select an option that generally has relatively stable and low returns versus the Balanced growth option. This option is expected to have the highest level of return stability of all Vision Super’s options.

The risk level of this option is very low.

Member balances invested in this option are NOT eligible for the Retirement bonus.

* The investment objectives are not forecasts or predictions. Vision Super designs the investment strategy of each option with the aim of achieving the option’s investment objective.

This option aims to outperform (after fees and before taxes) over rolling 5-year periods:
> 50% Bloomberg Ausbond Composite All Maturities Bond Index and
> 50% Bloomberg Global Treasury Index (hedged in AUD)

To invest across a range of fixed interest securities in Australia and overseas.

100% Diversified bonds (80–100%)
0% Alternative debt (0–10%)
0% Cash (0–10%)

2 to less than 3 in 20 years.

4 years.

This option is designed for members who wish to select an option that generally has greater stability of return and lower medium-term returns than the Balanced growth option.

The risk level of this option is medium.

Member balances invested in this option are NOT eligible for the Retirement bonus.

* The investment objectives are not forecasts or predictions. Vision Super designs the investment strategy of each option with the aim of achieving the option’s investment objective.

This option aims to outperform (after fees and before taxes) the MSCI All Countries World ex Australia Net Dividends Index, unhedged over rolling 15-year periods.

To invest in overseas companies usually listed on one or more overseas stock exchanges, with allocations to both active and index managers.

100% international equities. Please note that from time to time investment managers may hold cash.

6 or greater in 20 years.

12 years.

This option is designed for members who are prepared to accept a more aggressive and concentrated asset allocation than the Balanced growth option. This option has the potential to provide higher returns, but also increases the risk of a negative return.

The risk level of this option is very high.

Members invested in this option may be eligible for the Retirement bonus if certain terms and conditions are satisfied. More information

* The investment objectives are not forecasts or predictions. Vision Super designs the investment strategy of each option with the aim of achieving the option’s investment objective.

This option aims to outperform (after fees and before taxes) the S&P/ASX 300 Accumulation Index over rolling 15-year periods.

To invest in Australian companies usually listed on the Australian Securities Exchange (ASX) with allocations to both active and index managers.

100% Australian equities. Please note that from time to time the investment managers may hold cash.

6 or greater in 20 years.

12 years.

This option is designed for members who are prepared to accept a more aggressive and concentrated asset allocation than the Balanced growth option. This option has the potential to provide higher returns, but also increases the risk of a negative return.

The risk level of this option is very high.

Members invested in this option may be eligible for the Retirement bonus if certain terms and conditions are satisfied. More information.

* The investment objectives are not forecasts or predictions. Vision Super designs the investment strategy of each option with the aim of achieving the option’s investment objective.

This option seeks to invest in companies that are expected to grow relatively quickly over the medium term. It is one of our least diversified single sector options. Our single sector options are, by nature, not diversified across asset class sectors, but many are diversified in the underlying investments.

This option is currently invested with one active manager. This may change in the future if additional managers are needed and fit with the option’s strategy. The option is typically unhedged but from time to time this may change depending on our assessment of likely currency movements.

The current manager invests in a small number of companies that are expected to experience strong earnings growth over the medium term. In general, companies in the portfolio utilise innovative techniques in an attempt to achieve sustainable, above market growth. For example, companies that use technology in various forms to power their growth. A proportion of the companies in the portfolio will be illiquid. Over the long-term, this proportion is projected to be around 10%. The illiquid allocation consists of unlisted growth companies, many of which are expected to list.

This option aims to outperform (after fees and before taxes) the MSCI All Countries ex-Australia Net Dividends Index, unhedged over rolling 15-year periods.

To invest in high growth companies globally that are disruptive and innovative within their industry. These companies generally use technology in various forms to power their growth. The companies are usually listed on one or more overseas stock exchanges however there will also be an exposure to unlisted assets in the option.

100% international equities. Please note that from time to time investment managers may hold cash.

6 or greater in 20 years.

15 years.

This option is designed for members who are prepared to accept an aggressive and very concentrated asset allocation. This option has the potential to provide higher returns than the Balanced growth option, but also increases the risk of a negative return. This is the highest risk option offered. Members should be comfortable with the risks associated with investing in emerging or developing technologies.

The risk level of this option is very high.

Members invested in this option may be eligible for the Retirement bonus if certain terms and conditions are satisfied. More information.

* The investment objectives are not forecasts or predictions. Vision Super designs the investment strategy of each option with the aim of achieving the option’s investment objective.

This option aims to outperform (after fees and before taxes) over rolling 15-year periods:
> 45% S&P/ASX 300 Accumulation Index and
> 55% MSCI All Countries World ex Australia Net Dividends Index, unhedged.

To invest in a portfolio of Australian and international equities, including allocations to both active and index managers with the aim of achieving the investment objective. The long-term strategic asset class allocation is shown below, together with the indicative range for the actual allocation for each asset class.

6 or greater in 20 years.

12 years.

This option is designed for members who are prepared to accept a more aggressive and concentrated asset allocation than the Balanced growth option. This option has the potential to provide higher returns, but also increases the risk of a negative return.

The risk level of this option is very high.

Members invested in this option may be eligible for the Retirement bonus if certain terms and conditions are satisfied. More information.

This option aims to outperform (after fees and taxes) the rate of increase in inflation as measured by the Consumer Price Index by 3.5% per annum over rolling 15-year periods.

This option aims to outperform (after fees and taxes) the rate of increase in inflation as measured by the Consumer Price Index by 4.25% per annum over rolling 15-year periods.

To invest in a diversified portfolio with the aim of achieving the investment objective. The long-term strategic asset class allocation is shown below, together with the indicative range for the actual allocation for each asset class.

4 to less than 6 in 20 years.

8 years

Members seeking strong growth over the longer term, who are comfortable with more volatile investment returns than the Balanced option.

High

Members invested in this option may be eligible for the Retirement bonus if certain terms and conditions are satisfied. More information.

This option aims to outperform (after fees and taxes) the rate of increase in inflation as measured by the Consumer Price Index by 3.0% per annum over rolling 15-year periods.

This option aims to outperform (after fees and taxes) the rate of increase in inflation as measured by the Consumer Price Index by 3.75% per annum over rolling 15-year periods.

To invest in a diversified portfolio with the aim of achieving the investment objective. The long-term strategic asset class allocation is shown below, together with the indicative range for the actual allocation for each asset class.

4 to less than 6 in 20 years

6 years

Members seeking investment growth over the medium to longer term, who are comfortable with short term fluctuations.

High.

Members invested in this option may be eligible for the Retirement bonus if certain terms and conditions are satisfied. More information.

This option aims to outperform (after fees and taxes) the rate of increase in inflation as measured by the Consumer Price Index by 2.0% per annum over rolling 15-year periods.

This option aims to outperform (after fees and taxes) the rate of increase in inflation as measured by the Consumer Price Index by 2.75% per annum over rolling 15-year periods.

To invest in a diversified portfolio with the aim of achieving the investment objective. The long-term strategic asset class allocation is shown below, together with the indicative range for the actual allocation for each asset class.

3 to less than 4 in 20 years

5 years

Members seeking some investment growth over the medium term with less volatility than the Balanced option

Medium to high

Members invested in this option may be eligible for the Retirement bonus if certain terms and conditions are satisfied. More information.

This option aims to outperform (after fees and taxes) the rate of increase in inflation as measured by the Consumer Price Index by 1.5% per annum over rolling 15-year periods.

This option aims to outperform (after fees and taxes) the rate of increase in inflation as measured by the Consumer Price Index by 2.0% per annum over rolling 15-year periods.

To invest in a diversified portfolio with the aim of achieving the investment objective. The long-term strategic asset class allocation is shown below, together with the indicative range for the actual allocation for each asset class.

1 to less than 2 in 20 years

4 years

Members seeking a relatively stable medium-term return with some potential for growth.

Low to medium

Members invested in this option may be eligible for the Retirement bonus if certain terms and conditions are satisfied. More information.

The Cash investment option was previously known as Managed Cash. This change was effective 1 August 2025.

This option aims to outperform (after fees and taxes) the Bloomberg Ausbond Bank Bill Index over rolling 3-year periods.

To invest in cash, term deposits and money market securities.

Less than 0.5 in 20 years

No minimum

Members seeking a relatively stable medium-term return with some potential for growth.

Very low

Member balances invested in this option are NOT eligible for the Retirement bonus.