Investment options
Make informed decisions about how your super is invested
Invest your money the way you want
At VISSF we recognise everyone has different needs. That’s why we offer a range of investment options for you to choose from. You can select just one or invest in a mix of options depending on your personal circumstances and financial goals. Most importantly, your investment choice needs to take into account how you live now and the lifestyle you want to enjoy in the future.
To explore your choices, click on each of the options to review its investment objective, asset allocation mix and suitability in terms of risk tolerance.
ConservativeCollapsed
In the Conservative Option, 32% of your super is invested in growth assets such as shares and property and approximately 68% in defensive assets such as bonds and cash.
Generally an investor in this type of option is likely to be looking for fairly stable investment returns over the medium to long term. They know long term returns are likely to be lower than the higher risk options of All Growth and Balanced, but they also know there is less chance of reducing the value of their benefit in the short term.
Objective
The Conservative option aims to:
- achieve over rolling three year periods, a rate of return after expected tax and fees, in excess of CPI + 1.5%
- achieve on a rolling three year basis, a rate of return in excess of the median of our relevant peers, as measured by the relevant conservative fund investment survey
- maximise the after tax rate of return above inflation, as measured by CPI, over rolling three year periods subject to the following constraints:
- expecting to earn a positive rate of return over most 12 month periods; and
- maintaining sufficient liquidity to enable VISSF to meet its commitments.
Investment timeframe
The minimum suggested timeframe for holding the investment is 3 years.
Level of investment risk
Risk Band: |
4 |
Risk Label: |
Medium |
Estimated number of negative annual returns over any 20 year period: |
2 to less than 3 |
Want to find out how the All Growth option performed over the past 12 months?
View performance
Asset allocation
From time to time, we may adjust the mix within the allowable ranges as investment conditions change.
Asset Class |
Range % |
Equity - Australia |
12 - 16 |
Equity - International |
16 - 20 |
Total Growth Assets |
30 - 34 |
Fixed Income - Australia |
21 - 25 |
Fixed Income - International |
16 - 20 |
Cash - Australia |
25 - 29 |
Total Income Assets |
66 - 70 |
Benchmark
There is no guarantee these investment options will meet their respective objectives or that the value of your account will not decrease as a result of market movements. Additionally, if you don't make an investment choice, or your choice is unclear, your super will be invested in the Balanced option.