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Experience the best of both worlds

Not yet ready to commit to full retirement? Keen to reduce your working hours but not your income?

The VicSuper Transition to Retirement feature can help give you a little bit of each. Some conditions apply.

Download the PDS Download PDS update notice

 

Transition to retirement explained
  • Reduce your working hours (if you wish)
  • Continue to build your super savings
  • Supplement your income with a portion of retirement income
  • Benefit from potential tax advantages
Expert advice – no extra charge; no commissions

Being a VicSuper member means never having to go it alone, because we’re with you all the way. Our planners can explain how a transition to retirement strategy can work for you, and show you how to minimise your tax and maintain your income. What’s more, this type of advice is usually at no extra charge for VicSuper members, and we never pay commissions to our financial planners.

Invest your money the way you want (and we can help you choose)

Retirement isn’t the end point – it’s a whole new beginning. With nine investment options to choose from with VicSuper’s transition to retirement feature, we think you’ll find an investment option that suits your changing needs while you’re transitioning to new adventures.

  • Cash

    This option has no allocation to growth assets, with a very low risk of fluctuating returns, making it suited to those with a very low tolerance for risk.

    Learn more

  • Term deposit

    This option has no allocation to growth assets, making it suited to those with a very low tolerance for risk. Once selected, the interest rate and term of the term deposit is locked in and cannot change.

    Learn more

  • Capital secure

    This option has an allocation to growth assets of approximately 25%. The risk of fluctuating returns is low, making it suited to those with low tolerance for risk and a one-year plus investment time frame.

    Learn more

  • Capital stable

    This option has an allocation to growth assets of approximately 41%. The risk of fluctuating returns is low to medium, making it suited to those with a low to medium tolerance for risk and a three-year plus investment time frame.

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  • Balanced

    This option has an allocation to growth assets of approximately 61%. The risk of fluctuating returns is medium, making it suited to those with a medium tolerance for risk and a five-year plus investment time frame.

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  • Socially conscious

    This option has an allocation to growth assets of approximately 61%. The risk of fluctuating returns is medium, making it suited to those with a medium tolerance for risk and a five-year plus investment time frame.

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  • Growth (MySuper)

    Our Growth (MySuper) option is our default investment option for our FutureSaver members (it’s the one you’ll be invested in if you don’t make a specific investment choice when you first join VicSuper). This option has an allocation to growth assets of approximately 74% and the risk of fluctuating returns is medium to high. It is suited to those with a medium to high tolerance for risk and a seven-year plus investment time frame.

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  • Equity growth

    This option has an allocation to growth assets of approximately 98% and a high risk of fluctuating returns. It is suited to those with a high tolerance for risk and a seven-year plus investment time frame.

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  • Australian shares

    This option has a 100% allocation to growth assets and a very high risk of fluctuating returns. It is suited to those with a very high tolerance for risk and a seven-year plus investment time frame.

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Investing with a conscience

Investing in your future shouldn’t be at the expense of the world we live in – because that’s one thing that all of our futures are depending on.

Responsible investing

See how we’re incorporating responsible investment principles into what we do, and why we’ve been recognised as a leader in responsible investing by the Responsible Investment Association Australasia*
*RIAA, Super Fund Responsible Investment Benchmark Report 2018

Socially conscious investing

Looking for an investment option that champions your beliefs and values? Our Socially Conscious investment option is available for VicSuper FutureSaver and VicSuper Flexible Income members.

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