Superannuation

Personal Superannuation Plan

Vanguard’s Personal Superannuation Plan is a flexible whole of life super solution.

Contribute directly or through your employer, make spouse contributions or use the plan to build your retirement savings if self-employed. Whatever your objectives, with Vanguard’s low cost, diversified index options your super is off to a head start.

You can start contributing to the Vanguard Personal Superannuation Plan with $20,000. When you retire you can rollover your super benefit into the Vanguard Personal Pension Plan for a flexible retirement income stream.

Benefits

choice of six sector options and four pre-mixed diversified options
broad market coverage for lower risk and more investment opportunities
flexible switching facilities with no switching fees other than normal buy/sell spreads
complimentary rollover service
low management fees - around half industry median
scaled management fees for balances over $50,000

Vanguard takes all the headaches out of rolling over your super from other funds. Find out more about our complimentary super rollover service.

Self Managed Super Funds: see how Vanguard products can assist with DIY Super.

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Knowledge Centre

Personal Superannuation Plan - Funds at a Glance*

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Cash Cash funds suit investors who prefer capital stability and regular income to long-term growth.

	Benchmark	Buy/Sell Spread	Minimum Investment Amounts			Management Costs
	Benchmark	Buy/Sell Spread	Initial contribution	Additional contributions	Account balance	Management Costs	Member account keeping fee	Admin management fee for the first $50,000	Admin management fee for the portion above $50,000
Vanguard® Cash Plus Index Fund	A customised Index, the Vanguard Cash Plus Index	Nil	$20,000	$200	$7,500	0.31% p.a.	$66 p.a.	0.75% p.a.	0.50% p.a.

Fixed interest Fixed interest funds suit short to medium-term investors seeking a steady and reliable income stream..

	Benchmark	Buy/Sell Spread	Minimum Investment Amounts			Management Costs
	Benchmark	Buy/Sell Spread	Initial contribution	Additional contributions	Account balance	Management Costs	Member account keeping fee	Admin management fee for the first $50,000	Admin management fee for the portion above $50,000
Vanguard® Australian Fixed Interest Index Fund	UBS Australian Composite Bond Index	+0.20% / -0.20%	$20,000	$200	$7,500	0.31% p.a.	$66 p.a.	0.75% p.a.	0.50% p.a.

PropertyProperty trusts suit investors with a long-term timeframe (five years plus).

	Benchmark	Buy/Sell Spread	Minimum Investment Amounts			Management Costs
	Benchmark	Buy/Sell Spread	Initial contribution	Additional contributions	Account balance	Management Costs	Member account keeping fee	Admin management fee for the first $50,000	Admin management fee for the portion above $50,000
Vanguard® Australian Property Securities Index Fund	S&P/ASX 300 A-REIT Index	+0.20%/ -0.20%	$20,000	$200	$7,500	0.36% p.a.	$66 p.a.	0.75% p.a.	0.50% p.a.

Australian shares Shares are high risk and generally suited to longer-term investors (seven years plus)

	Benchmark	Buy/Sell Spread	Minimum Investment Amounts			Management Costs
	Benchmark	Buy/Sell Spread	Initial contribution	Additional contributions	Account balance	Management Costs	Member account keeping fee	Admin management fee for the first $50,000	Admin management fee for the portion above $50,000
Vanguard® Australian Shares Index Fund	S&P/ASX 300 Index	+0.20%/ -0.10%	$20,000	$200	$7,500	0.36% p.a.	$66 p.a.	0.75% p.a.	0.50% p.a.

International shares International Shares are high risk generally suited to longer-term investors (seven years plus)

	Benchmark	Buy/Sell Spread	Minimum Investment Amounts			Management Costs
	Benchmark	Buy/Sell Spread	Initial contribution	Additional contributions	Account balance	Management Costs-	Member account keeping fee	Admin management fee for the first $50,000	Admin management fee for the portion above $50,000
Vanguard® International Shares Index Fund	MSCI World ex-Australia Index in $A	+0.30%/ -0.10%	$20,000	$200	$7,500	0.38% p.a.	$66 p.a.	0.75% p.a.	0.50% p.a.
Vanguard® International Shares Index Fund (Hedged)	MSCI World ex-Australia Index in $A (Hedged)	+0.40%/ -0.20%	$20,000	$200	$7,500	0.41% p.a.	$66 p.a.	0.75% p.a.	0.50% p.a.

Diversified Diversified funds allow investors to select the alternative that best matches their risk profiles.

	Benchmark	Buy/Sell Spread	Minimum Investment Amounts			Management Costs
	Benchmark	Buy/Sell Spread	Initial contribution	Additional contributions	Account balance	Management Costs	Member account keeping fee	Admin management fee for the first $50,000	Admin management fee for the portion above $50,000
Vanguard LifeStrategy Index PST - Conservative	30% growth and 70% income (Weighted average of target indexes of Vanguard Index Funds)	+0.15%/ -0.10%	$20,000	$200	$7,500	0.35% p.a.	$66 p.a.	0.75% p.a.	0.50% p.a.
Vanguard LifeStrategy Index PST - Balanced	50% growth and 50% income (Weighted average of target indexes of Vanguard Index Funds)	+0.20%/ -0.15%	$20,000	$200	$7,500	0.36% p.a.	$66 p.a.	0.75% p.a.	0.50% p.a.
Vanguard LifeStrategy Index PST - Growth	70% growth and 30% income (Weighted average of target indexes of Vanguard Index Funds)	+0.25%/ -0.15%	$20,000	$200	$7,500	0.38% p.a.	$66 p.a.	0.75% p.a.	0.50% p.a.
Vanguard LifeStrategy Index PST - High Growth	90% growth and 10% income (Weighted average of target indexes of Vanguard Index Funds)	+0.30%/ -0.20%	$20,000	$200	$7,500	0.39% p.a.	$66 p.a.	0.75% p.a.	0.50% p.a.

* Information correct as of Feb 28 2009.