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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.
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 2026
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We assess products from over 40 providers based on their risk profile.
"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 |
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| 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. |
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| 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 74% 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. |
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| 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. |
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| 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. |
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| 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. |
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| Stable This option has the lowest risk level of all the ready-made options, with around 60% 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. |
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*Asset allocation between growth and defensive assets correct as of 30 June 2026, 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.
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I am already retired with a SMSF which I want to close down and roll all my Super money into a Retail/Industry fund and just take my pension from that on a yearly/monthly basis. Is that easy enough to do by myself.
Hi Trevor,
You are able to do this yourself, however, you may wish to get support from a financial advisor when closing your SMSF and transferring all your funds into a new super fund, to ensure you meet all your tax obligations.
Alternatively you can also reach out to the new fund and request support from their in-house financial advisors to asssit you.
Thanks,
Alison
when you turn 60 can you take a part of your super out for house repairs
Hi Graeme,
You can access your super early in very limited circumstances, according to the ATO. This includes to pay certain expenses on compassionate grounds, as well as terminal illness, incapacity and severe financial hardship. However, you can withdraw your super if you’re retired (or start a transition to a retirement income stream) when you reach preservation age. You can learn more about this here. Hope this helps!
Hi Kim, You can compare super products using our main super comparison. As you’re self-employed, you’ll need to ensure you’re making suitable payments, as well as whatever your employer is contributing.
Hello Finder,
Is it possible to find out what the 15 year performance return for the Australian Super Balanced portfolio was? Thanking you.
Hi Glenn,
Their 10-year performance for the balanced fund was 7.97%. You can access more info about their historical performance here: https://www.australiansuper.com/compare-us/our-performance
I am with Australian Super and looing to retire in the next 2 years and take my super as a fortnightly payment, what fees do I pay to the fund for administering this for me, I assume its not the $422 I pay whilst I add to the fund.
Hi there,
We’re not licenced to provide personal advice, so you’ll need to contact your super fund directly for advice on your situation.
You can call Australian Super on 1300 300 273.
Best of luck!