Russell Investments iQ Super
Retail fund
iQ Super combines an age-based default with a sizeable menu of active, indexed and low-carbon investments.
Membership
For Life and employer-based arrangements have their own product terms.
Russell Investments iQ Super vs Virgin Money Super
Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Virgin Money Super
Retail fund brand
Virgin Money Super is a Mercer Super Trust product with an age-based LifeStage Tracker default and index-oriented choices.
Membership
Public membership under the Virgin Money product rules.
Compare fees and investment returns
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
Choose an investment option to see the figures
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.
How the products differ
| What to compare | Russell Investments iQ Super | Virgin Money Super |
|---|---|---|
| Membership and access | For Life and employer-based arrangements have their own product terms. Sources123 | Public membership under the Virgin Money product rules. Sources1234 |
| Accounts and products | iQ Super and iQ Retirement. Sources123 | Virgin Money Super. Sources1234 |
| Investment choices | GoalTracker is the age-based MySuper default. The menu also includes diversified, sector, responsible and third-party indexed options. Sources123 | LifeStage Tracker changes the asset mix with age. Choice investments include diversified and sector index strategies and Cash. Sources1234 |
| Insurance | Insurance applications and terms differ by membership and employer plan. Sources123 | Automatic and tailored cover are available subject to eligibility. Premiums and a separate insurance cost-recovery charge apply. Sources1234 |
| Retirement income | iQ Retirement includes pension and transition-to-retirement arrangements. Sources123 | The reviewed super pages do not establish a dedicated Virgin Money pension account; check the intended retirement-income pathway. Sources1234 |
| Advice and support | Member resources include retirement support and advice; confirm the scope and fee for your request. Sources123 | Member support can explain the product. Ask which personal advice services are available and what they cost. Sources1234 |
| Fee details to check | Use the PDS and plan booklet for the precise iQ product. Employer pricing must not be assigned to every iQ member. 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 | GoalTracker changes exposure with age. Compare the correct stage and use the same fee basis as the competing option. Sources123 | Compare the correct LifeStage cohort or selected option, including all relevant costs. Sources1234 |
THE SUPERGURU VIEW
Our take on Russell Investments iQ Super
A useful candidate for someone who wants Russell's investment range or an employer plan with negotiated terms.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
Our take on Virgin Money Super
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.
Before choosing between Russell Investments iQ Super and Virgin Money Super
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 Russell Investments iQ Super profile · Read the full Virgin Money Super profile · Choose another comparison
Sources for Russell Investments iQ Super
Checked 2026-09-11. Documents and product terms can change after this date.
Sources for Virgin Money Super
Checked 2026-09-11. Documents and product terms can change after this date.