Virgin Money Super Review
Virgin Money Super was launched in 2005 by Virgin Money Australia.
In 2016 the fund transitioned to become a plan within Mercer Super Trust.
As of March 31st 2026 they had approximately 129,200 members and $1.86 billion in assets under management.
Please Note: Any advice on this page is general in nature and does not take into account your objectives, financial situation or needs. Consider whether this is right for you. See full disclaimer.
Virgin Money Super Performance
Virgin Money Super’s investment options have had mixed performance compared to the median of their risk categories.
Select an investment option from the menu below to see performance Vs the relevant median.
For a comparison against AustralianSuper see Virgin Money Super vs AustralianSuper and for a comparison against all funds see compare super funds.
Past performance is not a reliable indicator of future performance.
Fees
The LifeStage Tracker investment options all have fees below the median option for the respective risk profiles.
Select an investment option from the menu below to see flat fees, percentage based fees and total fees on a balance of $50,000.
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1994 - 1998 | 9.13% | 12.3% | 8.04% |
| Median | 8.8% | 11.1% | 7.5% |
| Virgin Money Super - LifeStage Tracker Born 1994 - 1998 VS Median | 0.33% | 1.2% | 0.54% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1994 - 1998 | 58 | 0.6% | $358 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 37% | |
| 2 | International Shares | 46% | |
| 3 | Fixed Interest | 4% | |
| 4 | Alternative | 2.5% | |
| 5 | Property | 2.5% | |
| 6 | Other | 4% | |
| 7 | Cash | 4% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - Enhanced Indexed Conservative Growth | 3.7% | 6.06% | 3.57% |
| Median | 4.8% | 6.1% | 4% |
| Virgin Money Super - Enhanced Indexed Conservative Growth VS Median | -1.1% | -0.04% | -0.43% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - Enhanced Indexed Conservative Growth | 58 | 0.75% | $433 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 13% | |
| 2 | International Shares | 12% | |
| 3 | Fixed Interest | 33% | |
| 4 | Alternative | 2.5% | |
| 5 | Property | 2.5% | |
| 6 | Other | 4% | |
| 7 | Cash | 33% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1969 - 1973 | 8.71% | 12.26% | 7.96% |
| Median | 8.8% | 11.1% | 7.5% |
| Virgin Money Super - LifeStage Tracker Born 1969 - 1973 VS Median | -0.09% | 1.16% | 0.46% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1969 - 1973 | 58 | 0.6% | $358 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 35% | |
| 2 | International Shares | 43% | |
| 3 | Fixed Interest | 6.5% | |
| 4 | Alternative | 2.5% | |
| 5 | Property | 2.5% | |
| 6 | Other | 4% | |
| 7 | Cash | 6.5% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1984 - 1988 | 9.22% | 12.46% | 8.1% |
| Median | 8.8% | 11.1% | 7.5% |
| Virgin Money Super - LifeStage Tracker Born 1984 - 1988 VS Median | 0.42% | 1.36% | 0.6% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1984 - 1988 | 58 | 0.6% | $358 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 37% | |
| 2 | International Shares | 46% | |
| 3 | Fixed Interest | 4% | |
| 4 | Alternative | 2.5% | |
| 5 | Property | 2.5% | |
| 6 | Other | 4% | |
| 7 | Cash | 4% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - Indexed Overseas Shares | 9.54% | 15.28% | 11.28% |
| Median | 8.8% | 11.1% | 7.5% |
| Virgin Money Super - Indexed Overseas Shares VS Median | 0.74% | 4.18% | 3.78% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - Indexed Overseas Shares | 58 | 0.67% | $393 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | International Shares | 100% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1989 - 1993 | 9.2% | 12.39% | 8.08% |
| Median | 8.8% | 11.1% | 7.5% |
| Virgin Money Super - LifeStage Tracker Born 1989 - 1993 VS Median | 0.4% | 1.29% | 0.58% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1989 - 1993 | 58 | 0.6% | $358 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 37% | |
| 2 | International Shares | 46% | |
| 3 | Fixed Interest | 4% | |
| 4 | Alternative | 2.5% | |
| 5 | Property | 2.5% | |
| 6 | Other | 4% | |
| 7 | Cash | 4% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1979 - 1983 | 9.29% | 12.53% | 8.08% |
| Median | 8.8% | 11.1% | 7.5% |
| Virgin Money Super - LifeStage Tracker Born 1979 - 1983 VS Median | 0.49% | 1.43% | 0.58% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1979 - 1983 | 58 | 0.6% | $358 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 37% | |
| 2 | International Shares | 46% | |
| 3 | Fixed Interest | 4% | |
| 4 | Alternative | 2.5% | |
| 5 | Property | 2.5% | |
| 6 | Other | 4% | |
| 7 | Cash | 4% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - Enhanced Indexed Growth | 6.54% | 9.94% | 6.32% |
| Median | 7.7% | 9.6% | 6.5% |
| Virgin Money Super - Enhanced Indexed Growth VS Median | -1.16% | 0.34% | -0.18% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - Enhanced Indexed Growth | 58 | 0.73% | $423 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 31% | |
| 2 | International Shares | 31% | |
| 3 | Fixed Interest | 14% | |
| 4 | Alternative | 3% | |
| 5 | Property | 3% | |
| 6 | Other | 4% | |
| 7 | Cash | 14% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - Indexed Australian Listed Property | -14.23% | 6.24% | 2.71% |
| Median | 8.8% | 11.1% | 7.5% |
| Virgin Money Super - Indexed Australian Listed Property VS Median | -23.03% | -4.86% | -4.79% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - Indexed Australian Listed Property | 58 | 0.68% | $398 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Property | 100% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 2004 - 2008 | 9.04% | 12.16% | 7.9% |
| Median | 8.8% | 11.1% | 7.5% |
| Virgin Money Super - LifeStage Tracker Born 2004 - 2008 VS Median | 0.24% | 1.06% | 0.4% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 2004 - 2008 | 58 | 0.6% | $358 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 37% | |
| 2 | International Shares | 46% | |
| 3 | Fixed Interest | 4% | |
| 4 | Alternative | 2.5% | |
| 5 | Property | 2.5% | |
| 6 | Other | 4% | |
| 7 | Cash | 4% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - Indexed Australian Shares | 4.65% | 10.81% | 7.99% |
| Median | 8.8% | 11.1% | 7.5% |
| Virgin Money Super - Indexed Australian Shares VS Median | -4.15% | -0.29% | 0.49% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - Indexed Australian Shares | 58 | 0.67% | $393 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 100% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1949 - 1953 | 5.26% | 7.64% | 4.53% |
| Median | 6.4% | 7.9% | 5.3% |
| Virgin Money Super - LifeStage Tracker Born 1949 - 1953 VS Median | -1.14% | -0.26% | -0.77% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1949 - 1953 | 58 | 0.62% | $368 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 19% | |
| 2 | International Shares | 24% | |
| 3 | Fixed Interest | 24% | |
| 4 | Alternative | 2.5% | |
| 5 | Property | 2.5% | |
| 6 | Other | 4% | |
| 7 | Cash | 24% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 2014 - 2018 | 9.25% | 12.53% | 8.16% |
| Median | 8.8% | 11.1% | 7.5% |
| Virgin Money Super - LifeStage Tracker Born 2014 - 2018 VS Median | 0.45% | 1.43% | 0.66% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 2014 - 2018 | 58 | 0.6% | $358 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 37% | |
| 2 | International Shares | 46% | |
| 3 | Fixed Interest | 4% | |
| 4 | Alternative | 2.5% | |
| 5 | Property | 2.5% | |
| 6 | Other | 4% | |
| 7 | Cash | 4% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1964 - 1968 | 7.36% | 10.72% | 6.87% |
| Median | 7.7% | 9.6% | 6.5% |
| Virgin Money Super - LifeStage Tracker Born 1964 - 1968 VS Median | -0.34% | 1.12% | 0.37% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1964 - 1968 | 58 | 0.62% | $368 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 29.5% | |
| 2 | International Shares | 35.5% | |
| 3 | Fixed Interest | 13% | |
| 4 | Alternative | 2.5% | |
| 5 | Property | 2.5% | |
| 6 | Other | 4% | |
| 7 | Cash | 13% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1954 - 1958 | 5.25% | 7.71% | 4.65% |
| Median | 6.4% | 7.9% | 5.3% |
| Virgin Money Super - LifeStage Tracker Born 1954 - 1958 VS Median | -1.15% | -0.19% | -0.65% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1954 - 1958 | 58 | 0.62% | $368 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 19% | |
| 2 | International Shares | 24% | |
| 3 | Fixed Interest | 24% | |
| 4 | Alternative | 2.5% | |
| 5 | Property | 2.5% | |
| 6 | Other | 4% | |
| 7 | Cash | 24% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1974 - 1978 | 9.29% | 12.55% | 8.13% |
| Median | 8.8% | 11.1% | 7.5% |
| Virgin Money Super - LifeStage Tracker Born 1974 - 1978 VS Median | 0.49% | 1.45% | 0.63% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1974 - 1978 | 58 | 0.6% | $358 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 37% | |
| 2 | International Shares | 46% | |
| 3 | Fixed Interest | 4% | |
| 4 | Alternative | 2.5% | |
| 5 | Property | 2.5% | |
| 6 | Other | 4% | |
| 7 | Cash | 4% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1959 - 1963 | 6.02% | 9.07% | 5.67% |
| Median | 6.4% | 7.9% | 5.3% |
| Virgin Money Super - LifeStage Tracker Born 1959 - 1963 VS Median | -0.38% | 1.17% | 0.37% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1959 - 1963 | 58 | 0.62% | $368 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 23% | |
| 2 | International Shares | 28% | |
| 3 | Fixed Interest | 20% | |
| 4 | Alternative | 2.5% | |
| 5 | Property | 2.5% | |
| 6 | Other | 4% | |
| 7 | Cash | 20% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - Indexed Diversified Shares | 9.04% | 13.43% | 9.36% |
| Median | 8.8% | 11.1% | 7.5% |
| Virgin Money Super - Indexed Diversified Shares VS Median | 0.24% | 2.33% | 1.86% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - Indexed Diversified Shares | 58 | 0.68% | $398 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 50% | |
| 2 | International Shares | 50% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1999 - 2003 | 9.04% | 12.22% | 7.97% |
| Median | 8.8% | 11.1% | 7.5% |
| Virgin Money Super - LifeStage Tracker Born 1999 - 2003 VS Median | 0.24% | 1.12% | 0.47% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born 1999 - 2003 | 58 | 0.6% | $358 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 37% | |
| 2 | International Shares | 46% | |
| 3 | Fixed Interest | 4% | |
| 4 | Alternative | 2.5% | |
| 5 | Property | 2.5% | |
| 6 | Other | 4% | |
| 7 | Cash | 4% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born Prior to 1949 | 5.37% | 7.68% | 4.48% |
| Median | 6.4% | 7.9% | 5.3% |
| Virgin Money Super - LifeStage Tracker Born Prior to 1949 VS Median | -1.03% | -0.22% | -0.82% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Virgin Money Super - LifeStage Tracker Born Prior to 1949 | 58 | 0.62% | $368 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 19% | |
| 2 | International Shares | 24% | |
| 3 | Fixed Interest | 24% | |
| 4 | Alternative | 2.5% | |
| 5 | Property | 2.5% | |
| 6 | Other | 4% | |
| 7 | Cash | 24% |
Performance data: Lonsec. Median benchmarks: Chant West. Data is updated monthly; the reporting period is shown in the tables. Investment options are compared with the Chant West median for their risk profile.
Insurance
This fund offers death, TPD and Salary Continuance insurance cover to their members.
Insurance is provided by TAL Life Limited.
Insurance Rating
This fund has received a 67/100 insurance rating by Omnilife.
Please note: This is the overall rating before individual circumstances are taken into account. Individual circumstances will vary the rating significantly.
Fund details
See the Virgin Money Super ABN and USI page for all the information required to contribute to this fund.
Read their PDS and TMD for further details.
FAQ's
We use investment performance data supplied by Lonsec and median benchmarks supplied by Chant West, both updated monthly.
Each investment option is assigned to a Chant West risk profile based on its proportion of growth assets. We then compare its return with the median benchmark for that risk profile over the same reporting period.
The difference shown in the table is the investment option’s return minus the median return.
Grouping options by growth asset allocation helps make comparisons more accurate, although options within the same profile can still have different investments and risks. Past performance is not a reliable indicator of future performance.
Member ratings and investment returns measure different things.
Member ratings reflect the experiences and opinions of people who submit reviews. These may relate to customer service, fees, insurance, administration or their satisfaction with investment performance.
Our performance tables compare an investment option’s reported returns with the relevant benchmark over specified periods. A fund can therefore deliver above median returns while receiving poor reviews for service or insurance or receive positive reviews despite below median returns.
Submitted reviews may not represent the experience of all members. Consider them alongside performance data, fees, insurance features and the fund’s official documents.
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