.page-content .container .content-row {display:none;} You currently have Javascript disabled. To login you must enable Javascript in your browser. Please update your relevant browser settings.

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.

All GrowthCollapsed

In the All Growth Option, 100% of your super is invested in growth assets such as shares and property.

Generally an investor in this type of option is likely to be looking for higher investment returns over the long term. They have the time to ride out investment fluctuations – even watching their benefit go through large ups and downs in performance.

Objective

The All Growth option aims to:

achieve over rolling seven year periods, a rate of return after expected tax and fees, in excess of CPI +3.5%
achieve over rolling seven year periods, a rate of return in excess of our relevant peers, as measured by a relevant growth fund investment survey; and
maximise the after tax rate of return above inflation, as measured by CPI, over rolling seven year periods, subject to the following constraints:
- Recognising a greater risk of experiencing a negative return in any one year than the Balanced option; and
- Maintaining sufficient liquidity to enable VISSF to meet its commitments.

Investment timeframe

The minimum suggested timeframe for holding this investment is 7 years.

Level of investment risk

Risk Band:	6
Risk Label:	High
Estimated number of negative annual returns over any 20 year period:	4 to less than 6

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 asset mix within allowable ranges as investment conditions change.

Asset Class	Allowable Range %
Equity - Australia	43 - 53
Equity - International	39 - 49
Property - International	2 - 8
Infrastructure - International	1 - 5
Total Growth Assets	100

Benchmark

48,44,5,3

BalancedCollapsed

In the Balanced Option, 75% of your super is invested in growth assets such as shares and property and approximately 25% in defensive assets such as bonds and cash.

Generally an investor in this type of option is likely to be looking for high investment returns over the medium to long term. They still have the time to ride out investment fluctuations.

Objective

The Balanced option aims to:

achieve over rolling five and 10 year periods, a rate of return, after expected tax and fees, in excess of CPI + 3.0%
achieve on a rolling five and 10 year basis, a rate of return in excess of the median of our relevant peers, as measured by a relevant growth fund investment survey
maximise the after tax rate of return above inflation, as measured by CPI, over rolling five and 10 year periods, subject to the following constraints:
- recognising a greater risk of experiencing a negative return in any one year than the Conservative option; and
- maintaining sufficient liquidity to enable VISSF to meet its commitments.

Investment timeframe

The minimum suggested timeframe for holding this investment is 5 years.

Level of investment risk

Risk Band:	6
Risk Label:	High
Estimated number of negative annual returns over any 20 year period:	4 to less than 6

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	28 - 34
Equity - International	33 - 39
Property - International	2 - 8
Infrastructure - International	1 - 5
Total Growth Assets	72 - 78
Fixed Income - Australia	6 - 12
Fixed Income - International	4 - 10
Cash - Australia	6 - 12
Total Income Assets	22 - 28

Benchmark

31,36,5,3,9,7,9

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

14,18,23,18,27

CashCollapsed

In the Cash Option, 100% of your super is invested in Australian cash.

Generally an investor in this type of option is likely to be looking to protect the capital value of their super and achieve stable returns. They know long term investment returns are likely to be low compared to other options, but they are seeking to protect their investment from the chance of any negative returns in the short term.

Objective

The Cash option aims to provide exposure to a diversified portfolio of investment grade cash and cash equivalent securities, providing a total return, after costs and tax, in line with the Bloomberg AusBond Bank Bill Index over the short term.

Investment timeframe

The minimum suggested timeframe for holding the investment is short term.

Level of investment risk

Risk Band:	1
Risk Label:	Very low
Estimated number of negative annual returns over any 20 year period:	less than 0.5

Want to find out how the All Growth option performed over the past 12 months?

View performance

Asset allocation

The Cash option invests 100% of your super in Australian cash.

Asset Class	Allowable Range %
Australian Enhanced Cash	100
Total Growth Assets	100

Benchmark

100

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.

Latest investment returns

Keep tabs on your performance to help make informed decisions about your investment options.

See performance

Learn more about investment

Our approach
Choosing the right option
Performance