How to make an investment choice

On joining LUCRF Super, you will automatically be invested in our MySuper Balanced (default) option unless you choose your own investment mix.

We believe that our MySuper Balanced* option best meets the long-term investment needs for the majority of our members.

However, you can choose to invest your super in any of our ten investment options to cater to your unique circumstances.

There are several factors to consider, including your:

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

Watch this short video to help you better understand which option(s) might suit your personal circumstances.

We can help you with these considerations by providing you with personalised financial advice. Call 1300 130 780 to discuss.

Frequently asked questions

How do I change my investment options?

Once you've considered your options, you can apply your investment choices at Members Online.

You can also fill in a Member Investment Choice Form and send it to LUCRF Super, PO Box 211, North Melbourne VIC 3051 or scan and email it to

When can I make a change?

You can change your investment option at any time.

Will it cost me anything to change my investment options?

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

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 take effect as follows:

You can make one investment change a day. If you make a request before 4pm AEST/AEDT on any business day, your account will be invested in your new investment choice using the unit price allocated for that day, which will not be known for at least one to two business days.

Your new investment choice will appear in your account two business days after your request was received.

Requests received on or after 4pm AEST/AEDT on a business day, or on weekends or public holidays, will be invested using the unit price allocated for the next available business day.

Please note that changing your investment options during times of market volatility may result in locking in a loss. If you change how your super is invested, investment earnings will be calculated and ‘locked-in’ (as either a credit or a debit) using the relevant daily unit price as at the date of the change. Your account balance is then invested in your new investment choice according to the percentages you have requested.