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Compare super funds

You need your superannuation working as hard as possible for you, so you can retire with more. Compare super funds with Finder's free super comparison tool and see the latest fees and performance returns.

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!

Our free comparison tool can make comparing super funds much easier. Use our table to compare a range of leading super funds by looking at their past performance returns and annual fees. To maximise your investment, look for high performance figures and low fees. When you find one that suits, click Go to site and we'll take you securely to the fund's website.

Promoted
Virgin Money Super Lifestage Tracker invests in a mix of assets in line with your age, investing in more growth assets while you’re young and reducing your risk as you near retirement. It has achieved a return of 10.07%p.a. over the last 5 years, with annual fees of $392.99 for a $50k balance.
Promoted
Green Company
Certified by the Responsible Investment Association Australasia.

This fund invests in renewable energy, innovative technology and sustainable products while avoiding coal, oil, tobacco and live animal exports.

Compare super funds

1 - 16 of 334
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.)

Virgin Money Super - LifeStage Tracker

Virgin Money Super - LifeStage Tracker
+17.29%
1 year performance (p.a.)
+17.29%
+13.78%
3 year performance (p.a.)
+13.78%
+10.07%
5 year performance (p.a.)
+10.07%
New Fund
10 year performance (p.a.)
New Fund
$392
Fees on $50k balance (p.a.)
$392
This is a high-risk investment option that aims to deliver higher returns over the long term.

Virgin Money Super LifeStage Tracker is a lifestage super product, so your mix of investments will be continually readjusted in line with your age. This means you'll be invested in more growth assets while you're young.

HESTA Balanced Growth

HESTA Balanced Growth
+14.54%
1 year performance (p.a.)
+14.54%
+10.74%
3 year performance (p.a.)
+10.74%
+9.07%
5 year performance (p.a.)
+9.07%
+9.69%
10 year performance (p.a.)
+9.69%
$528
Fees on $50k balance (p.a.)
$528
HESTA is an industry super fund for the health and community services sector and open to all Australians. The Balanced Growth fund invests in a mix of asset classes without taking on too much, or too little, risk.

Australian Retirement Trust (formerly Sunsuper for Life) - Lifecycle Balanced Pool

Finder Award
Australian Retirement Trust (formerly Sunsuper for Life) -  Lifecycle Balanced Pool
+16.31%
1 year performance (p.a.)
+16.31%
+11.45%
3 year performance (p.a.)
+11.45%
+9.58%
5 year performance (p.a.)
+9.58%
+10.14%
10 year performance (p.a.)
+10.14%
$628
Fees on $50k balance (p.a.)
$628
Sunsuper and QSuper have merged to create Australian Retirement Trust, one of Australia's largest super funds with more than 2 million members. Its Lifecycle Balanced product invests your super in a mix of growth assets, and reduces your risk when you're near retirement.

AustralianSuper - Pre-mixed, Balanced option

Finder Award
AustralianSuper - Pre-mixed, Balanced option
+15.02%
1 year performance (p.a.)
+15.02%
+12.42%
3 year performance (p.a.)
+12.42%
+10.31%
5 year performance (p.a.)
+10.31%
+10.66%
10 year performance (p.a.)
+10.66%
$472
Fees on $50k balance (p.a.)
$472
AustralianSuper is an award-winning industry super fund and the largest super fund in Australia. The Balanced fund invests in a mix of different assets like shares, property and cash.

Spaceship GrowthX

Spaceship GrowthX
+12.31%
1 year performance (p.a.)
+12.31%
+19.14%
3 year performance (p.a.)
+19.14%
New Fund
5 year performance (p.a.)
New Fund
New Fund
10 year performance (p.a.)
New Fund
$536
Fees on $50k balance (p.a.)
$536
This is a high-risk investment option that aims to deliver higher returns over the long term.
Spaceship's GrowthX fund invests heavily in technology ETFs with high exposures to Australian and international shares. Performance figures and fees supplied by Spaceship, not Chant West.

Australian Ethical Super Balanced

Green Company
Australian Ethical Super Balanced
+13.19%
1 year performance (p.a.)
+13.19%
+12.82%
3 year performance (p.a.)
+12.82%
+9.71%
5 year performance (p.a.)
+9.71%
+9.78%
10 year performance (p.a.)
+9.78%
$622
Fees on $50k balance (p.a.)
$622
Certified by the Responsible Investment Association Australasia.
Australian Ethical seeks to invest in companies that have a positive impact on the planet, people and animals, such as renewable energy and healthcare while avoiding investments in coal, oil, tobacco and gambling.

QSuper Lifetime - Aspire 1

QSuper Lifetime - Aspire 1
+12.67%
1 year performance (p.a.)
+12.67%
+10.33%
3 year performance (p.a.)
+10.33%
+9.03%
5 year performance (p.a.)
+9.03%
New Fund
10 year performance (p.a.)
New Fund
$360
Fees on $50k balance (p.a.)
$360
QSuper is part of Australian Retirement Trust. QSuper Lifetime automatically adjusts your investment mix in line with your age and your Lifetime account balance. Eligibility criteria and conditions apply to open a QSuper account (refer to 'More Info').

Aware Super High Growth

Aware Super High Growth
+18.15%
1 year performance (p.a.)
+18.15%
+14.45%
3 year performance (p.a.)
+14.45%
+11.63%
5 year performance (p.a.)
+11.63%
+11.83%
10 year performance (p.a.)
+11.83%
$694
Fees on $50k balance (p.a.)
$694
This is a high-risk investment option that aims to deliver higher returns over the long term.
If you join Aware Super's default MySuper Lifecycle option your super will be invested in the High Growth option while you're under 55, giving more exposure to local and international shares.

Australian Catholic Super Lifetime - Grow

Australian Catholic Super Lifetime - Grow
+13.2%
1 year performance (p.a.)
+13.2%
+10.02%
3 year performance (p.a.)
+10.02%
New Fund
5 year performance (p.a.)
New Fund
New Fund
10 year performance (p.a.)
New Fund
$488
Fees on $50k balance (p.a.)
$488
A Catholic super fund open to all Australians and designed for people working in Catholic education, healthcare or aged care.The Lifetime One fund option changes your investment mix as you get older.

UniSuper Balanced

UniSuper Balanced
+12.48%
1 year performance (p.a.)
+12.48%
+12.15%
3 year performance (p.a.)
+12.15%
+9.77%
5 year performance (p.a.)
+9.77%
+10.58%
10 year performance (p.a.)
+10.58%
$321
Fees on $50k balance (p.a.)
$321
UniSuper is an industry super fund and one of Australia's largest super funds with more than 450,000 members. Its Balanced option invests in a mix of different asset classes and charges some of the lowest fees of all default super products.

LUCRF MySuper Balanced

LUCRF MySuper Balanced
+12.69%
1 year performance (p.a.)
+12.69%
+9.67%
3 year performance (p.a.)
+9.67%
+7.88%
5 year performance (p.a.)
+7.88%
+8.58%
10 year performance (p.a.)
+8.58%
$477
Fees on $50k balance (p.a.)
$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.

Suncorp Multi-Manager Growth Fund

Suncorp Multi-Manager Growth Fund
+15.15%
1 year performance (p.a.)
+15.15%
+13.69%
3 year performance (p.a.)
+13.69%
+10.71%
5 year performance (p.a.)
+10.71%
New Fund
10 year performance (p.a.)
New Fund
$645
Fees on $50k balance (p.a.)
$645
The Suncorp Brighter Super Multi-Manager Growth Fund is one of the top-performing growth funds. It invests your super in a pre-mixed, diversified range of asset classes with a focus towards growth assets including shares, property and infrastructure.

Verve Super Balanced

Verve Super Balanced
+12.12%
1 year performance (p.a.)
+12.12%
+10.84%
3 year performance (p.a.)
+10.84%
New Fund
5 year performance (p.a.)
New Fund
New Fund
10 year performance (p.a.)
New Fund
$691
Fees on $50k balance (p.a.)
$691
Verve Super is an ethical super fund tailored for women. It seeks to invest in companies making a positive impact, such as renewable energy and women in leadership, while avoiding those that cause harm, such as fossil fuels, tobacco and guns.

Superhero Super Autopilot

Superhero Super Autopilot
+9.04%
1 year performance (p.a.)
+9.04%
+10.14%
3 year performance (p.a.)
+10.14%
New Fund
5 year performance (p.a.)
New Fund
New Fund
10 year performance (p.a.)
New Fund
$429
Fees on $50k balance (p.a.)
$429
Superhero Super Autopilot allows you to invest up to 30% of your super in different themed ASX shares and ETFs, with at least 70% of your balance invested in the Vanguard Global Diversified Index Portfolio. Performance and fees are based on having 100% of your balance in the index portfolio.

LGIAsuper MySuper

LGIAsuper MySuper
+11.91%
1 year performance (p.a.)
+11.91%
+9.77%
3 year performance (p.a.)
+9.77%
+8.33%
5 year performance (p.a.)
+8.33%
+8.93%
10 year performance (p.a.)
+8.93%
$530
Fees on $50k balance (p.a.)
$530
LGIA is a medium-sized, member-owned super fund open to all Australians. The LGIA MySuper option is designed to suit most members and aims for high returns over the medium to long term.

BT Super for Life - MySuper Lifestage Fund

BT Super for Life - MySuper Lifestage Fund
+16.98%
1 year performance (p.a.)
+16.98%
+13.49%
3 year performance (p.a.)
+13.49%
+9.86%
5 year performance (p.a.)
+9.86%
+10.19%
10 year performance (p.a.)
+10.19%
$558
Fees on $50k balance (p.a.)
$558
The BT MySuper Lifestage fund is a retail fund that invests your super in a mix of asset classes depending on how old you are. Westpac Group customers can manage their super alongside their day-to-day bank accounts.
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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.

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*Past performance and fee data is for the period ending December 2021.
Promoted
AustralianSuper is an award-winning industry super fund and the largest super fund in Australia. The Balanced fund invests in a mix of different assets like shares, property and cash.

What are the different types of super funds?

Your employer pays superannuation into your chosen super fund, where it's then invested on your behalf to help it grow. The super fund you choose will impact how much that money will grow.

You have 2 main choices to make with your super: choosing a super fund, then choosing the investment option under that fund.

Types of super funds

These are the main types of super funds you can choose from:

  • Industry super funds: These funds usually focus on a particular industry but are open to all Australians. Popular examples include AustralianSuper and Hostplus. They are not-for-profit, so all profits go back into the fund to benefit new and existing members.
  • Retail super funds: These are funds that are owned by a bank, insurance provider or another type of large financial institution. Some examples are BT Super (owned by Westpac) and Colonial First State (owned by CommBank). They are for-profit funds so profits are split between members and shareholders. Because they're owned by large financial institutions, retail funds often offer financial advice services to members.
  • Member-owned funds: These are similar to industry funds, however they're not part of the official Industry Super Funds group. Plus, some of these funds might be reserved for people in a particular state or industry.

Once you've chosen the type of fund you want, consider how you want the fund to invest your money with that fund. Yu might not be bothered which fund your with, which is completely fine. It's more important to compare the actual super investment products rather than the fund itself.

Your superannuation investment options

There are 2 main options available for how your super is managed. The option you choose will depend on the level of day-to-day control you want to have over your super, and how hands-on you wish to be.

Option 1: Pre-made investment portfolio (this is the most common option)

This option requires the least amount of your input to manage. It's also the option where the majority of Australians have their super invested, and all the funds in our comparison table above are pre-made super investment portfolios.

Super funds offer a range of pre-made investment portfolios to members that are completely managed for you by their investment teams. These portfolios will invest in a mix of different assets, including local and international shares, property, unlisted assets, fixed interest and cash.

When you join the fund you'll initially be placed in its default product option which is called the MySuper product. This is the standard super option that is designed to suit most members, and it's where the majority of Australians have their super invested. However, if you do want to choose a different super investment option you can easily do this once you've joined the fund (or any time after this!).

If you don't want to go with the default option, the alternative super investment options are usually based around risk level, for example:

The default MySuper option is usually between a balanced and high-growth level of risk, which is ideal for most members.

Some funds offer a pre-made ethical investment option too.

Option 2: Build your own investment portfolio

If you want to be more hands-on with your super (but don't want to go so far as opening a self managed super fund), this is a good option. Many super funds will allow you to build your own investment portfolio by selecting a range of single asset classes to invest in.

For example, instead of a pre-made portfolio that usually invests in 6 or 7 asset classes, you might just want to invest in shares and property and nothing else. So, you'd select the individual asset classes for shares and property and the investment manages would do the rest (that is, they'd still pick the actual stocks to buy, not you).

Or, you could even opt for 100% of your super to be invested in 1 asset class if you wanted to with this option.

Why you should compare super funds

In a nutshell, a better super fund will help you retire with more money. The more money you have in your super, the more financially comfortable you'll be in retirement.

Each super fund charges different fees, and they all invest your super in different ways. This is why some super funds have better long-term performance than others.

Comparing super funds early on in your working life can save you thousands of dollars in fees and help you retire with a lot more money.

How to compare super funds

Consider the following when you're comparing super funds in the comparison table above:

  • Look for low fees. A general rule of thumb is to make sure the fees are less than 1% of the value of your super balance in fees per year (so for a $50,000 balance, annual fees around $500 or less are relatively low).
  • Look for high past performance figures. When looking at past performance, make sure to look at the 5 and 10-year performance instead of only looking at the past 1 year's performance. You want to look for a fund that has high performance over the medium to long term.
  • An investment strategy you understand and agree with. Some funds offer life stage investment options, meaning they'll adjust your investments for you as you get older so you're not taking on too much risk. Similarly, a balanced fund will invest your money in a range of different things to ensure you're not "putting all your eggs in one basket". These aim to provide good returns while still protecting your super from big market crashes. Choose whichever strategy you think is right for you and your super.
  • Consider ethical investing (if it's important to you). Choose funds that offer a sustainable or ethical investment option if this is something you're passionate about.

Or for a little bit more help, take a look at our picks of the best super funds to see if any of these is right for you.

What should you look for in a super fund?

Noel Whittaker is a leading personal finance expert, author and journalist. Picture not described

"You should be looking to join a super fund which will be your friend for life, so as well as high performance, look at the range of options available in every aspect.

The more transparent the fund, and the more simple the process, the better it is. Make sure your account will be online so you can look at your fund and change strategies any time you wish."

How can you help your super grow?

Nicole Pederson-McKinnon is a leading personal finance expert, author and journalist.Picture not described

"Your super needs looking after like your plants but, better still, you don't even have to supply the water... your employer does that! What you need to supply is the perfect growth conditions, which is easy.

You need a fund with low fees and a decent long-term track record, and you need to choose the investment option that is right for your age and risk appetite: the younger you are, the more growth assets you can safely hold. And a bit of extra water/money when you can afford it sure wouldn't hurt!"

Almost ready to switch? Here's what to do before switching super funds

Do you already have a super fund and you're looking to switch to a new fund? Here are a few things to do first.

  • Check your super balance. When you're switching funds it's a great time to check your super balance and make sure all your recent super contributions have been made successfully. Take a look at your contributions over the last 12 months and make sure you've received all the payments you're entitled to from your employer. You should receive contributions from your employer at least 4 times a year.
  • Check your insurance cover. Check the insurance cover you're currently receiving, and make sure the new fund you're switching to has a similar level of cover. Or, if you don't think you need any cover, you can opt out of insurance altogether when switching to the new fund.
  • Check for any lost super. Now's a perfect time to look for any lost super you might have. You could have some missing super if you've worked at several different jobs. You can look for any lost super via myGov online, and bring it over into your new fund.
  • Let your employer know. Lastly, once you've switched super funds make sure you let your employer know right away so they can pay your next super guarantee payment to the correct fund.

Comparing super funds and switching is a quick, easy process (we promise!)

The table above can help you compare super funds and find 1 that's right for you. Once you've decided on a new fund, you'll be pleased to know that switching is quick and easy to do.

You can apply to join a new fund by completing the online application form. You'll need to fill in your personal details, select your investment option (you only have to do this if you want to, most Australians are in the default option) and the insurance cover you want. You'll need to give the details of your employer and your old super fund if you want to bring your super over into the new fund. This shouldn't take you any longer than 30 minutes to do.

Once you've submitted the form, the super fund will take it from there and do all the work for you. They'll set up your new fund and even contact your old fund to transfer your super as soon as possible. You don't even need to contact your old fund. If you need a bit more help, see our guide on how to change super funds for a detailed process.

What next?

Now that you understand how superannuation works and the different types of funds available, it's time to compare. Head to our comparison table at the top of this page to compare super funds, and click "Go to site" if you'd like to open an account or learn more about the fund.

Frequently asked questions

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