LUCRF Super

LUCRF Super | Performance, investments and fees

LUCRF Super is an industry super fund open to all Australians with 11 different investment options available.

No reviews yet. Write a review

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

LUCRF Super investment options

You'll be placed in the MySuper Balanced option when you first join LUCRF Super, then you're free to switch to another option any time after joining.

1 - 7 of 7
Name Product Last 1 year performance (p.a.) Last 3 year performance (p.a.) Last 5 year performance (p.a.) Last 10 year performance (p.a.) Fees on $50k balance (p.a.)

LUCRF MySuper Balanced

LUCRF MySuper Balanced
+12.69%
+9.67%
+7.88%
+8.58%
$477
LUCRF Super is an industry super fund open to all Australians with 11 different investment options available. Its default MySuper Balanced option is a simple, diversified portfolio designed to suit most members.

LUCRF High Growth

LUCRF High Growth
+15.67%
+12.38%
+9.92%
+10.4%
$492
This is a high-risk investment option that aims to deliver higher returns over the long term.

LUCRF Conservative

LUCRF Conservative
+6.28%
+6.09%
New Fund
New Fund
$422

LUCRF Moderate

LUCRF Moderate
+9.1%
+8.09%
New Fund
New Fund
$452

LUCRF Aust Shares Active

LUCRF Aust Shares Active
+19%
+13.07%
New Fund
New Fund
$377
This is a high-risk investment option that aims to deliver higher returns over the long term.

LUCRF Int'l Shares Active

LUCRF Int'l Shares Active
+21.07%
+19.39%
New Fund
New Fund
$432
This is a high-risk investment option that aims to deliver higher returns over the long term.

LUCRF Property

LUCRF Property
+24.51%
+11.84%
New Fund
New Fund
$302
This is a high-risk investment option that aims to deliver higher returns over the long term.
loading

Compare up to 4 providers

The information in the table is based on data provided by Chant West Pty Ltd (AFSL 255320) which is itself supplied by third parties. While such information is believed to be accurate, Chant West does not accept responsibility for any inaccuracy in such information. Chant West’s Financial Services Guide is available at https://www.chantwest.com.au/financial-services-guide . Finder offers no guarantees or warranties about the data and we recommend that users make their own enquiries before relying on this information. Performance, fees and insurance data is based on each fund's default MySuper product. Where the performance, fees and insurance data for the MySuper fund vary according to the member's age, results for individuals between 40-49 years of age have been shown. Past performance is not a reliable indicator of future performance.

What are the key features of LUCRF Super?

  • Industry super fund. LUCRF Super is an industry super fund, meaning its profits go back into the fund to benefit members instead of shareholders.
  • 11 investment options. You can choose between a range of ready-made investment options or build your own portfolio from a selection of individual asset class options.
  • MySuper product. The default investment option is an approved MySuper product designed to be a low-fee, no-frills option suited to the majority of members
  • Mobile app. Members can download the free LUCRF Super mobile app to keep track of their super balance and contributions and switch investment options 24/7.
  • Flexible insurance cover. You can select the insurance cover that suits you, or choose to opt out of cover all together.
  • LUCRF community Program. LUCRF partners with local organisations to help create positive initiatives and projects that support the community.

What investment options does LUCRF Super offer?

LUCRF Super offers 5 pre-mixed diversified investment options, as well as 6 single asset class options.

Pre-mixed investment options

The default investment option, MySuper Balanced, is a diversified portfolio that invests your balance in a range of asset classes. Or, there are four alternative diversified portfolios to choose from depending on your risk tolerance, investment time frame and strategy.

Investment optionRisk levelAsset allocation range
MySuper Balanced

This is the default option for members when joining LUCRF Super and is an approved MySuper product.

HighAustralian shares: 15-40%
International shares: 17-40%
Property: 4-20%
Infrastructure: 2-20%
Alternatives: 0-38%
Fixed interest: 0-25%
Cash: 0-25%
High Growth

This option aims for higher growth over the long term by investing more in shares. Because of the larger exposure to shares, it's also higher risk than the Balanced option.

HighAustralian shares: 22-52%
International shares: 26-56%
Property: 5-15%
Infrastructure: 0-12%
Alternatives: 2-20%
Cash: 0-8%
Indexed Balanced

This option gives you the opportunity to invest in a range of passive assets including Australian and International Shares.

High
Passive Australian Shares: 20-50%
Passive International Shares: 20-50%
Passive fixed interest: 0-60%
Cash: 0-20%
Moderate

This option aims to deliver decent returns without as much volatility as the Balanced and High Growth options. It has less exposure to shares and more exposure to fixed interest.

Medium to highAustralian shares:10-28 %
International shares: 10-28%
Property: 2-15%
Infrastructure: 2-20%
Alternatives: 4-23%
Fixed interest: 15-40%
Cash: 5-25%
Conservative

This is the lowest risk of the pre-mixed investment options, and is suited to members with a low risk appetite and/or a short investment time frame (e.g.: older members).

MediumAustralian shares: 8-16%
International shares: 9-18%
Property: 3-10%
Infrastructure: 3-15%
Alternatives: 2-17%
Fixed interest: 12-35%
Cash: 20-40%

Single asset class options

If you want to be more hands on with your super, you can design your own investment portfolio using these individual asset class options. You can select one or several of the asset classes, and also decide how much of your balance you want invested in each asset class.

Investment optionInvestment strategyRisk level
Australian shares (Active)This option invests 100% in Australian shares. This option is actively managed by the investment managers.Very high
International shares (Active)This option invests 100% in international shares. This option is actively managed by the investment managers.Very high
Australian shares (Indexed)This option invests 100% in passive Australian shares. This option is passively managed.Very high
International shares (Indexed)This option invests 100% in passive international shares. This option is passively managed.Very high
PropertyThis option invests 100% in Australian listed property shares (it does not invest in physical residential houses).Very high
CashThis option invests 100% in cash products (i.e. deposits in a bank).Very low

What insurance cover does LUCRF Super offer?

If you're over 25, have more than $6,000 in super and receive employer contributions you'll automatically receive the default level of cover for Death and Death & Total Permanent Disablement (TPD) insurance. You can increase this cover or opt out entirely at any time. You can also choose to add Income Protection cover if you feel you need it.

If you're under 25 and have a balance below $6000 when you join, you'll automatically be opted out of insurance cover.

How do I join LUCRF Super?

You can apply online by filling out the application form.

You will need to supply:

  • Personal details. You'll need to provide your personal contact details including your Australian residential address.
  • Previous super fund details. If you'd like to consolidate an existing super fund with your new fund online, you will need to provide your current fund details.

You will need to select:

  • Investment option. You'll be asked to choose your investment option from those detailed above, so consider this before beginning your application. If you don't make a choice your super will be invested in the MySuper Balanced option.
  • Insurance instructions. You'll be asked if you'd like to opt out of or tailor the default insurance policies, as detailed above.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site