Virgin Super Plus

How does it work?

This offer is aimed at people who want to take a more control of their super. How you wish to allocate your super really depends on the level of investment risk and return you’re comfortable with.

You can choose from the more conservative Cash/Fixed Interest asset class through to the potentially riskier and higher returning Australian or International Shares or put some of your investment into our pre-mixed Life Stage Tracker^® options.

It’s up to the Trustee to decide what fund manager(s) or investment products are used to implement the choices available under this investment option.

To help you understand the asset classes (and their risk/return profile) available to you, we’ve included the table below. You can change your allocation between any of our investment options below to suit your needs.

Asset Class What is it? What’s the Risk/Return?

You choose – you can tell us how you want to split investment allocation across the following assets

Australian Shares Investments in Australian companies, usually listed on the Australian Stock Exchange.

The potential return is high, but the risk is greater.

International Shares Investments in

overseas companies. Similar to Australian shares, generally the expected return is high over the long-term but the risk is greater.

Listed Property An investment in property or

buildings, via property trusts. Moderate to high risk

investment, due to reliance on economic factors, location and quality, with a corresponding level of moderate to high returns.=. interest is usually a loan to a Government or business where a fixed interest rate and loan length are agreed in advance.

Cash is lowest risk with corresponding potential for lower returns. Fixed interest is a moderate risk investment, less volatile than property and shares over the short term, but also may provide a lower level of return.

You can also choose between our pre-mixed option that lets you sit back while we do the work LifeStage Tracker^® – Balanced This is aimed at people who want

mid to long-term growth of their super while maintaining risk at a moderate level.

Which choice you make really depends on the level of investment risk and return you’re comfortable with.

For more information about risk, check out Section 4 of this guide.

LifeStage Tracker^® – Aggressive This is aimed at people who don’t mind taking a bit more risk for the potential of higher returns

Refer to the table below for more information.

50%50%

•

International Equities (Hedged)

•

International Equities (Unhedged)

•

Australian Listed Property100%

•

Australian Fixed Interest

•

Australian Cash 80%

20% 100%

•

Australian Equities

Investment characteristics – Virgin Super Plus Australian EquitiesInternational SharesListed Property Cash/Fixed Interest Applicable to All members that select a choice of investment strategy that includes an allocation to the Fund’s Australian Equities Portfolio investment option All members that select a choice of investment strategy that includes an allocation to the Fund’s International Equities investment option All members that select a choice of investment strategy that includes an allocation to the Fund’s Australian Listed Property investment option

All members that select a choice of investment strategy that includes an allocation to the Fund’s Australian Cash/Fixed Interest investment option Investment objective

Achieve returns (after fees and taxes) that exceed movements in the Consumer Price Index (CPI) by at least 3.5% over rolling 10 year periods Achieve returns (after fees and taxes) that exceed movements in the Consumer Price Index (CPI) by at least 3.0% over rolling 10 year periods Achieve returns (after fees and taxes) that exceed movements in the Consumer Price Index (CPI) by at least 3.5% over rolling 10 year periods

Achieve returns (after fees and taxes) that achieve movements in the Consumer Price Index (CPI) over rolling 10 year periods Strategic asset allocation Date of inception5 July 20055 July 20055 July 20055 July 2005 Standard Risk Measure ProfileBand 6: High RiskBand 6: High RiskBand 6: High RiskBand 3: Low to Medium Risk Probability of not achieving return objective4 to less than 6 out of 20 years4 to less than 6 out of 20 years4 to less than 6 out of 20 years1 to less than 2 out of 20 years Estimated liquidityHighHighHighHigh Minimum suggested investment time period7 years7 years5 years1 year

LifeStage Tracker^® - Investment Characteristics

The table below shows how assets are allocated in LifeStage Tracker^® (depending on your age). The asset allocations represent the investment strategy utilised to achieve the objectives of the LifeStage Tracker^® options. These are indicative allocations only – from time to time there may be some variation depending on the experience of the underlying funds, investment market fluctuations or asset

allocation decisions.

By looking at the investment characteristics on following pages, you can decide whether the Aggressive or Balanced option, or your own choice of asset allocation suits you best.

What if you want to change your product offer or investment options?

No problem! You can switch between Virgin Super Essentials and Virgin Super Plus any time you like (note: you can’t be in both at once).

In Virgin Super Plus, you can manage and control your super by changing your investment choices as often as you like.

You can either do it online or by contacting our Customer Care Team on 1300 652 770. It’s that easy!

Product offer and investment switches that are initiated online are processed effective that day, any exceptions will be actioned by our admin team and normally take 5 business days to process and will be effective the day of processing. A business day in this definition, is a day which is not a weekend or public holiday in Melbourne.

NOTE – When switching investments or offers, you’ll incur transaction costs (check out Section 6 of this guide for more information).

AGE OF MEMBER You choose a LifeStage Tracker^® Option – Aggressive or Balanced – and we’ll automatically adjust the asset allocation mix according to your age.

LifeStage Tracker® - Aggressive

LifeStage Tracker® - Balanced

ASSET MIX (% growth)

16 yrs

under 40’s mix over 40’s

mix over 50’s

mix over 60’s 0% mix

100%

50%

70%

80%

20%

75 yrs LifeStage Tracker^®

47%6%

3% 16%

16%

12%

•

Australian Equities

•

International Equities (Hedged)

•

International Equities (Unhedged)

•

Australian Listed Property

•

Australian Fixed Interest

•

Australian Cash

38% 8%

6% 12%12%

24%

•

Australian Equities

•

International Equities (Hedged)

•

International Equities (Unhedged)

•

Australian Listed Property

•

Australian Fixed Interest

•

Australian Cash

40% 7.5%

10% 10%7.5%

25%

•

Australian Equities

•

International Equities (Hedged)

•

International Equities (Unhedged)

•

Australian Listed Property

•

Australian Fixed Interest

•

Australian Cash

10%2.5% 16% 5%2.5% 64%

•

Australian Equities

•

International Equities (Hedged)

•

International Equities (Unhedged)

•

Australian Listed Property

•

Australian Fixed Interest

•

Australian Cash

Investment characteristics – LifeStage Tracker® – Balanced Under 40’s Mix40’s Mix50’s MixOver 60’s mix Applicable toAll LSTB members aged under 40All LSTB members aged between 40 and 50 yearsAll LSTB members aged between 50 and 60 yearsAll LSTB members aged over 60 years Investment objective Achieve returns (after fees and taxes) that exceed movements in the Consumer Price Index (CPI) by at least 3.0% over rolling 10 year periods Achieve returns (after fees and taxes) that exceed movements in the Consumer Price Index (CPI) by at least 2.5% over rolling 10 year periods Achieve returns (after fees and taxes) that exceed movements in the Consumer Price Index (CPI) by at least 2% over rolling 10 year periods

Achieve returns (after fees and taxes) that exceed movements in the Consumer Price Index (CPI) by at least 1% over rolling 10 year periods Strategic asset allocation Date of inception5 July 20055 July 20055 July 20055 July 2005 Standard Risk Measure ProfileBand 6: High RiskBand 6: High RiskBand 5: Medium to High RiskBand 3: Low to Medium Risk Probability of not achieving return objective4 to less than 6 out of 20 years4 to less than 6 out of 20 years3 to less than 4 out of 20 years1 to less than 2 out of 20 years Estimated LiquidityHighHighHighHigh Minimum suggested investment time period7 years5 years4 years2 years

7.5% 7.5%

25% 10%

40%

10%

•

Australian Equities

•

International Equities (Hedged)

•

International Equities (Unhedged)

•

Australian Listed Property

•

Australian Fixed Interest

•

Australian Cash12%12%

38% 6%24%

8%

•

Australian Equities

•

International Equities (Hedged)

•

International Equities (Unhedged)

•

Australian Listed Property

•

Australian Fixed Interest

•

Australian Cash

17.5%

17.5% 65%

•

Australian Equities

•

International Equities (Hedged)

•

International Equities (Unhedged) 16%

16%47%

6%12%

3%

•

Australian Equities

•

International Equities (Hedged)

•

International Equities (Unhedged)

•

Australian Listed Property

•

Australian Fixed Interest

•

Australian Cash

Investment characteristics – LifeStage Tracker® – Aggressive Under 40’s Mix40’s Mix50’s MixOver 60’s mix Applicable toAll LSTA members aged under 40All LSTA members aged between 40 and 50 yearsAll LSTA members aged between 50 and 60 yearsAll LSTA members aged 60 or more Investment objective Achieve returns (after fees and taxes) that exceed movements in the Consumer Price Index (CPI) by at least 3.5% over rolling 10 year periods Achieve returns (after fees and taxes) that exceed movements in the Consumer Price Index (CPI) by at least 3.0% over rolling 10 year periods Achieve returns (after fees and taxes) that exceed movements in the Consumer Price Index (CPI) by at least 2.5% over rolling 10 year periods

Achieve returns (after fees and taxes) that exceed movements in the Consumer Price Index (CPI) by at least 2% over rolling 10 year periods Strategic asset allocation Date of inception5 July 20055 July 20055 July 20055 July 2005 Standard Risk Measure ProfileBand 6: High RiskBand 6: High RiskBand 6: High RiskBand 5: Medium to High Risk Probability of not achieving return objective4 to less than 6 out of 20 years4 to less than 6 out of 20 years4 to less than 6 out of 20 years3 to less than 4 out of 20 years Estimated liquidityHighHighHighHigh Minimum suggested investment time period7 years5 years5 years4 years

In document Virgin Super. Member Guide (Page 28-33)