Making an investment choice

When you join LUCRF, you are automatically invested in the Balanced (default) option, unless you make your own investment choice.

We have chosen the Balanced option as the default because we believe it meets the long-term investment needs of the majority of our members.

However, we understand that everyone has different expectations of their super, therefore we allow you the flexibility to make your own investment choice and select the option/s that best suit your circumstances.

Making an investment choice can be difficult. There are several factors that you should consider when selecting an investment option. These include:

• Your investment time horizon
• Your life expectancy, and
• Your investment profile and attitude towards risk.

To find out what your investment profile is, you can complete our Member Investment Profile Questionnaire (see Related content on the left).

If you are still unsure about which option to choose, we can assist you by providing personalised financial advice. Please call us on 1300 130 780 for further information.

Frequently asked questions

1. How do I make an investment choice?

Once you've considered all of the options, making an investment choice is easy. All you need to do is complete a Member Investment Choice Form (see Related content on the left of this page) and send it back to us at: LUCRF Super, PO Box 211 North Melbourne VIC 3051, or fax it to (03) 9326 6907.

2. When am I allowed to make a change?

You can change your investment option at any time by completing the Member Investment Choice Form.

3. What will it cost to change my investment option?

There is no fee applied when you change your investment options.

4. When will my change of investment option take effect and how are rates of return applied?

Member investment switches for existing balances and future contributions received on our Member Investment Choice Form take effect as follows:

5. Existing Balances

For an existing balance, a change is effective the day after the valuation of assets, for those request forms received by 5pm EST on the day of valuation. Assets are typically valued on a Monday. For more information, please see our Crediting rates page.

6. Future Contributions

For future contributions, a change is effective the day after a request for investment change is received.