Retail fund brand
Virgin Money Super
Virgin Money Super is a Mercer Super Trust product with an age-based LifeStage Tracker default and index-oriented choices.
THE OVERVIEW
About Virgin Money Super
The Virgin brand distributes a product within Mercer Super Trust. Its pricing and insurance should be assessed separately from other Mercer plans.
Who can join
Public membership under the Virgin Money product rules.
THE SUPERGURU VIEW
Our take
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.
THE NUMBERS
Fees and investment returns
Use the product, investment option and employer plan on your statement. Lifecycle members need to choose the relevant stage. APRA's investment pathways may include closed options held by existing members.
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.
A CLOSER LOOK
Inside Virgin Money Super
Accounts and products
Virgin Money Super.
Investment choices
LifeStage Tracker changes the asset mix with age. Choice investments include diversified and sector index strategies and Cash.
Insurance
Automatic and tailored cover are available subject to eligibility. Premiums and a separate insurance cost-recovery charge apply.
Retirement income
The reviewed super pages do not establish a dedicated Virgin Money pension account; check the intended retirement-income pathway.
Advice and support
Member support can explain the product. Ask which personal advice services are available and what they cost.
Fee details to check
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.
Comparing investment performance
Compare the correct LifeStage cohort or selected option, including all relevant costs.
Features worth considering
An automatic age-based strategy.
Index-oriented choice options and a conditional parental-leave administration discount.
THE LEGAL FUND
Fund size in APRA's annual reporting
Mercer Super Trust
At 30 June 2025. These are legal-fund totals, which can include several products and more than one account per person.
APRA annual fund-level statistics, June 2025. These older totals can differ substantially after mergers. Size is not a measure of suitability or investment quality.
Sources for Virgin Money Super
Checked 2026-09-11. Documents and product terms can change after this date.