AustralianSuper was a big winner in the 2025 Finder Awards.
Full list of 2025 share trading platform winners
You can choose any of the following ready-made or sector-specific investment options when joining AustralianSuper. If you don't want to choose you'll be placed in the default Balanced option, which is a top-performing MySuper fund.
We currently don't have that product, but here are others to consider:
How we picked theseFinder Score makes comparing superannuation products easier by scoring products out of 10 after assessing their performance, fees and features.
We assess products from over 40 providers based on their risk profile.
The information in this table is based on data provided by SuperRatings Pty Limited ABN 95 100 192 283, a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, Australian Financial Services Licence No. 421445. In limited instances, where data is not available from SuperRatings for a product, the data is provided directly by the superannuation fund.
*Past performance data and fee data is for the period ending September 2025
Based on AustralianSuper super fund scores in Finder's 2024 & 2025 Customer Satisfaction Awards.
"AustralianSuper made it very easy for me to move to them as a Super provider. Its website and app are modern, easy to use and have a very good design. This leads to an excellent user experience. I can see my Super contributions and amount over the years. My investments are clearly and cleanly called out, and I can go into those to change my investment options. I can see my returns, and change settings such as insurance cover, beneficiaries and more. It's the best Super app that I've used, and my Super has low fees and solid returns. "
AustralianSuper offers 3 types of investment options for you to choose from: Pre-mixed, DIY Mix and Member Direct. If you don't want to choose an option, your super will be invested in the Balanced investment option which is a MySuper-authorised fund.
AustralianSuper Pre-mixed options are diversified portfolios that invest in a mix of different asset classes including shares, property, fixed interest and cash. They're designed for investors who only want a minimal amount of hands-on involvement with their super.
| Pre-mixed investment options | Risk level | Asset allocation |
|---|---|---|
| High Growth This option is the highest risk level of all the ready-made options, with around 60% allocation to local and international shares. It's designed for higher growth over the long term and is suited for investors with a longer investment timeframe. |
|
|
| Balanced (MySuper option) This is the default investment option which all members will be placed in if they don't choose a different option after joining. It's designed for growth over the medium to long term. It has around 70% allocation to growth assets including local and international shares, private equity and property. This option is regularly one of the top performing growth super funds in the market. |
|
|
| Socially Aware The Socially Aware option has a very similar level of investment risk to the Balanced option; however, it doesn't invest in Australian or international companies that directly own coal and fossil fuel reserves, produce tobacco or those which have single-gender boards. |
|
|
| Indexed Diversified This option is designed to achieve growth over the medium to long term while lowering the costs of investing, as it uses index investing instead of active fund management. It has around 70% allocation to growth assets, designed to match index returns. Because it uses index investing the costs of this product are lower for members. |
|
|
| Conservative Balanced This option has less exposure to growth assets than the Balanced, Socially Aware and High Growth options, but more exposure to growth assets than the Stable option. It's designed to have both medium-term growth while protecting your investment balance. |
|
|
| Stable This option has the lowest risk level of all the ready-made options, with around 61% allocation to defensive assets including cash and bonds. It's designed for investors with a shorter investment timeframe (e.g. if you're closer to retirement) or those with a low risk tolerance. |
|
|
*Asset allocation between growth and defensive assets correct as of June 2023, and may shift slightly from time to time depending on market conditions and investment decisions.
These do-it-yourself options are single asset class portfolios that are managed by AustralianSuper. You decide how much you want to invest in each of the options listed below.
This is AustralianSuper's self-managed investment option. Designed for those who want a high level of control over where their super is invested, Member Direct allows you to invest in:
You can manage your investments from an online platform, and super members need at least $10,000 to open an account. If you're a retirement income member, the minimum account balance is $50,000.
As part of being a member of AustralianSuper, you can access the following types of insurance cover through your super:
If you'd like to join AustralianSuper, click the green "Go to Site" button on this page. You'll be taken to the AustralianSuper website where you can complete an online application in around 15 minutes. You'll need to provide:
Once you've completed the application you will immediately receive your member number. A confirmation email will also be sent to you, and your membership application will be processed once you make the first contribution into your account. Your account and any insurance you have chosen will also become active once this first contribution has been received.
A welcome pack, which includes your AustralianSuper online account details, will then be mailed to you.
DISCLAIMER: This article may contain general advice. You should consider your own personal circumstances before deciding if a superannuation product is right for you. Superannuation is a long term investment and past performance is not indicative of future performance.
Australian women are set to inherit the majority of the $5 trillion wealth transfer taking place over the next decade. This guide helps women over 45 understand how to manage, protect and grow their inheritance to create financial freedom and a lasting legacy.
Compare pension funds and create a flexible, tax-effective income stream in retirement.
The average super balance is $154,350. Compare your super balance against the average balance for your age group to see if yours is on track.
Here’s a current list of the worst-performing super funds in Australia and steps for how to switch to a better fund.
Explore essential components of retirement planning for a secure future. Dive into the intricacies of retirement planning, covering vital elements such as investment strategies, savings goals, and risk management. Gain valuable insights to chart your path towards a secure and fulfilling retirement.
We've analysed Australian super funds to find the best-performing super funds, the best industry super funds and the best super fund for low fees. Find the right super fund for you.
If you want to make sure your super balance is invested in companies that reflect your values and beliefs, check out this guide to ethical investing.
ING Living Super offers easy online access and a choice of flexible investment options to suit your life stage and retirement goals.
Self-employed super contributions are a great way to boost your retirement savings, but there are some rules. See rules for contributions and compare super funds if you're self employed.
When you start your first job you'll need to open a bank account, a super fund and understand what your tax obligations are.
When you retire does your holiday & long service leave effect your
application for pension at the moment I have 36 weeks.
Hi John, thanks for your inquiry.
According to 4.3.3.30 Employment Income for Pensioners of Age Pension Age pre-20/09/2009
Summary, “If a pensioner receives paid leave, the money received IS assessed as income under the normal income test.” Therefore holidays/ long service leave should not affect your pension.
Thanks.
Jonathan