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:

  1. For your existing balance
    The change is effective the day after the valuation of assets for requests received by 5pm EST on the day of  valuation. Assets are typically valued on a Monday. For more information, please see our crediting rates.
  2. For your future contributions
    The change is effective the day after we receive your request.

* This is the same as the Balanced (default) option available to our Pension members.