Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Retail fund brand
Raiz Invest Super gives members ready-made portfolios and a Plus option that allows more investment customisation through the Raiz app.
Available under the current Raiz Invest Super PDS and member guide.
Retail fund brand
Virgin Money Super is a Mercer Super Trust product with an age-based LifeStage Tracker default and index-oriented choices.
Public membership under the Virgin Money product rules.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
The costs and returns belong to the selected product, option or lifecycle stage.
Source: APRA Comprehensive Product Performance Package 2026, published 28 August 2026. Fees reflect the reporting year to 30 June 2026, are net of tax, use standard arrangements and exclude member-activity fees. Dollar figures are rounded. They are not a current quote. Check the latest PDS for changes, insurance premiums and any separately charged advice.
Returns are annualised historical results. Different return bases, risk levels and periods cannot be treated as interchangeable. MySuper net returns use a $50,000 representative balance even when you change the fee balance. A lifecycle stage return does not track a person moving between stages. Missing figures mean not reported, not zero. Past returns do not predict future returns. Read our method and APRA's definitions.
| What to compare | Raiz Invest Super | Virgin Money Super |
|---|---|---|
| Membership and access | Available under the current Raiz Invest Super PDS and member guide. Sources123 | Public membership under the Virgin Money product rules. Sources1234 |
| Accounts and products | Raiz Invest Super accumulation. Sources123 | Virgin Money Super. Sources1234 |
| Investment choices | Nine portfolios include different diversified risk levels, Emerald, Property 10, Property 30 and Plus. Limits apply to shares and selected ETFs in Plus. Sources123 | LifeStage Tracker changes the asset mix with age. Choice investments include diversified and sector index strategies and Cash. Sources1234 |
| Insurance | Insurance is available when cover is held. The product documents include insurance-policy changes issued in June 2026. Sources123 | Automatic and tailored cover are available subject to eligibility. Premiums and a separate insurance cost-recovery charge apply. Sources1234 |
| Retirement income | The reviewed pages do not establish a dedicated pension account; verify an income-stream pathway before retirement. Sources123 | The reviewed super pages do not establish a dedicated Virgin Money pension account; check the intended retirement-income pathway. Sources1234 |
| Advice and support | Product support is available through Raiz. Personal advice should be scoped separately. Sources123 | Member support can explain the product. Ask which personal advice services are available and what they cost. Sources1234 |
| Fee details to check | The $50,000 Plus cost example excludes underlying accessible-product costs, which depend on the investments selected. Include those costs before comparing with a ready-made portfolio. Sources123 | The current fee page separates a $58 annual fixed administration fee, a balance-based administration charge, administration costs, option fees and transaction costs. A low investment fee is not a low total fee by itself. Sources1234 |
| Comparing investment performance | Compare the precise super portfolio, not the returns of a regular Raiz account with different cash flows or fees. Sources123 | Compare the correct LifeStage cohort or selected option, including all relevant costs. Sources1234 |
THE SUPERGURU VIEW
Worth comparing for someone who wants its particular portfolio choices and will use the app to manage their account.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
Worth comparing for someone seeking that default structure or who can use the product's specific benefits.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
Use the membership rules to establish which accounts are available to you. Then compare the total price of the investment option and cover you need. A lower fee or higher historical return alone does not tell you which fund is suitable.
Ask both funds to confirm insurance acceptance, exclusions, waiting periods and whether cover would change when you leave your employer. Obtain advice before giving up a defined benefit or an insurance policy you may not be able to replace. ASIC Moneysmart explains the comparison checks.
Read the full Raiz Invest Super profile · Read the full Virgin Money Super profile · Choose another comparison
Checked 2026-09-11. Documents and product terms can change after this date.
Checked 2026-09-11. Documents and product terms can change after this date.