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Aware Super | Performance, features and fees

Aware Super is a low-fee super fund with 12 different ways to invest including a MySuper option and an ethical investment option.

Aware Super

Finder Best Balanced Super Fund Awards 2023 winner!

Aware Super - Balanced Socially Conscious

Aware SuperBalanced Socially Conscious secured the top spot this year for Best Balanced Super Fund. Members can expect to pay an annual fee of $327 on a $50,000 balance. The fund has consistently delivered long-term performance returning an annual average of 8.4% over the past 10 years and 7.06% over the past 5 years.

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Aware Super performance and fees

1 - 20 of 24
Name 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.)
Aware Super Balanced
Aware Super logo
Industry fund
Last 1 year performance (p.a.)
+8.71%
Last 3 year performance (p.a.)
+5.29%
Last 5 year performance (p.a.)
+6.67%
Last 10 year performance (p.a.)
+7.42%
Fees on $50k balance (p.a.)
$462
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Aware Super High Growth
Aware Super logo
Industry fundHigher risk
Last 1 year performance (p.a.)
+10.29%
Last 3 year performance (p.a.)
+6.3%
Last 5 year performance (p.a.)
+8.08%
Last 10 year performance (p.a.)
+8.71%
Fees on $50k balance (p.a.)
$497
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Aware Super Conservative Balanced
Aware Super logo
Industry fund
Last 1 year performance (p.a.)
+6.6%
Last 3 year performance (p.a.)
+4.17%
Last 5 year performance (p.a.)
+4.87%
Last 10 year performance (p.a.)
+5.96%
Fees on $50k balance (p.a.)
$422
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Aware Super - Balanced Socially Conscious
Aware Super logo
Finder AwardIndustry fundEthical
Last 1 year performance (p.a.)
+9.99%
Last 3 year performance (p.a.)
+6.37%
Last 5 year performance (p.a.)
+7.36%
Last 10 year performance (p.a.)
+7.62%
Fees on $50k balance (p.a.)
$337
Go to siteMore Info
Aware Super International Shares
Aware Super logo
Industry fundHigher risk
Last 1 year performance (p.a.)
+19.99%
Last 3 year performance (p.a.)
+11.11%
Last 5 year performance (p.a.)
+11.4%
Last 10 year performance (p.a.)
+11.57%
Fees on $50k balance (p.a.)
$167
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Aware Super Australian Shares
Aware Super logo
Industry fundHigher risk
Last 1 year performance (p.a.)
+9.18%
Last 3 year performance (p.a.)
+7.67%
Last 5 year performance (p.a.)
+8.43%
Last 10 year performance (p.a.)
+8.14%
Fees on $50k balance (p.a.)
$167
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Aware Super Property
Aware Super logo
Industry fundHigher risk
Last 1 year performance (p.a.)
-2.06%
Last 3 year performance (p.a.)
-0.45%
Last 5 year performance (p.a.)
+1.62%
Last 10 year performance (p.a.)
+6.13%
Fees on $50k balance (p.a.)
$362
More Info
Aware Super Future Saver - Bonds
Aware Super logo
Industry fund
Last 1 year performance (p.a.)
-0.3%
Last 3 year performance (p.a.)
N/A
Last 5 year performance (p.a.)
N/A
Last 10 year performance (p.a.)
N/A
Fees on $50k balance (p.a.)
$187
More Info
Aware Super Future Saver - Cash
Aware Super logo
Industry fund
Last 1 year performance (p.a.)
+4.13%
Last 3 year performance (p.a.)
+2.35%
Last 5 year performance (p.a.)
+1.79%
Last 10 year performance (p.a.)
+1.93%
Fees on $50k balance (p.a.)
$157
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Aware Super Future Saver - Conservative
Aware Super logo
Industry fund
Last 1 year performance (p.a.)
+4.87%
Last 3 year performance (p.a.)
+3.28%
Last 5 year performance (p.a.)
+3.82%
Last 10 year performance (p.a.)
+5.14%
Fees on $50k balance (p.a.)
$352
More Info
Aware Super Future Saver - High Growth Socially Conscious
Aware Super logo
Industry fund
Last 1 year performance (p.a.)
+11.62%
Last 3 year performance (p.a.)
N/A
Last 5 year performance (p.a.)
N/A
Last 10 year performance (p.a.)
N/A
Fees on $50k balance (p.a.)
$352
More Info
Aware Super Future Saver - MySuper Lifecycle Conservative Balanced
Aware Super logo
Industry fundLifestage
Last 1 year performance (p.a.)
+6.6%
Last 3 year performance (p.a.)
+4.17%
Last 5 year performance (p.a.)
+4.87%
Last 10 year performance (p.a.)
+5.96%
Fees on $50k balance (p.a.)
$422
More Info
Aware Super Future Saver - MySuper Lifecycle High Growth
Aware Super logo
Industry fundLifestage
Last 1 year performance (p.a.)
+10.29%
Last 3 year performance (p.a.)
+6.3%
Last 5 year performance (p.a.)
+8.08%
Last 10 year performance (p.a.)
+8.71%
Fees on $50k balance (p.a.)
$497
More Info
Aware Super Future Saver - MySuper Lifecycle Manage Age 56
Aware Super logo
Industry fundLifestage
Last 1 year performance (p.a.)
+9.98%
Last 3 year performance (p.a.)
+6.1%
Last 5 year performance (p.a.)
+7.8%
Last 10 year performance (p.a.)
+8.46%
Fees on $50k balance (p.a.)
$487
More Info
Aware Super Future Saver - MySuper Lifecycle Manage Age 57
Aware Super logo
Industry fundLifestage
Last 1 year performance (p.a.)
+9.66%
Last 3 year performance (p.a.)
+5.89%
Last 5 year performance (p.a.)
+7.52%
Last 10 year performance (p.a.)
+8.2%
Fees on $50k balance (p.a.)
$482
More Info
Aware Super Future Saver - MySuper Lifecycle Manage Age 58
Aware Super logo
Industry fundLifestage
Last 1 year performance (p.a.)
+9.34%
Last 3 year performance (p.a.)
+5.69%
Last 5 year performance (p.a.)
+7.23%
Last 10 year performance (p.a.)
+7.94%
Fees on $50k balance (p.a.)
$477
More Info
Aware Super Future Saver - MySuper Lifecycle Manage Age 59
Aware Super logo
Industry fundLifestage
Last 1 year performance (p.a.)
+9.02%
Last 3 year performance (p.a.)
+5.49%
Last 5 year performance (p.a.)
+6.95%
Last 10 year performance (p.a.)
+7.68%
Fees on $50k balance (p.a.)
$467
More Info
Aware Super Future Saver - MySuper Lifecycle Manage Age 60
Aware Super logo
Industry fundLifestage
Last 1 year performance (p.a.)
+8.71%
Last 3 year performance (p.a.)
+5.29%
Last 5 year performance (p.a.)
+6.67%
Last 10 year performance (p.a.)
+7.42%
Fees on $50k balance (p.a.)
$462
More Info
Aware Super Future Saver - MySuper Lifecycle Manage Age 61
Aware Super logo
Industry fundLifestage
Last 1 year performance (p.a.)
+8.29%
Last 3 year performance (p.a.)
+5.07%
Last 5 year performance (p.a.)
+6.31%
Last 10 year performance (p.a.)
+7.13%
Fees on $50k balance (p.a.)
$452
More Info
Aware Super Future Saver - MySuper Lifecycle Manage Age 62
Aware Super logo
Industry fundLifestage
Last 1 year performance (p.a.)
+7.86%
Last 3 year performance (p.a.)
+4.84%
Last 5 year performance (p.a.)
+5.95%
Last 10 year performance (p.a.)
+6.84%
Fees on $50k balance (p.a.)
$447
More Info
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Showing 20 of 24 results

Unless indicated otherwise, the information in the 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.

*Past performance data and fee data is for the period ending Apr 2024

Finder Best Conservative Super Fund 2023 Highly commended

Aware Super Conservative Balanced

Aware Super Conservative Balanced secured the second position in the conservative category. The fund charges an annual fee of $454 on a $50,000 balance. It has maintained consistent performance, with an annual return of 6.29% over the past 10 years and 4.77% over the past 5 years.

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Finder Best Single Asset Classes Super Fund 2023 Highly commended

Aware Super International Shares

Aware Super International Shares secured the second position in the single asset classes category, with an annual fee of $179.41 on a $50,000 balance. The fund has consistently provided solid returns in international equities, with an annual average of 11.59% over the past 10 years and 10.60% over the past 5 years.

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What are the key features of Aware Super?

  • Choose from 12 investment options. Choose between 5 pre-mixed investment portfolios or 7 single asset class options.
  • MySuper investment option. Aware Super's MySuper option is a high growth investment option while you're under age 55, then it'll gradually change to a growth option with slightly less exposure to shares.
  • Ethical investments available. Choose to invest in a pre-mixed portfolio of socially responsible investments, or invest in socially responsible Australian shares.
  • Default insurance cover. Eligible members receive automatic death and total permanent disablement (TPD) cover, with the option to increase, reduce or cancel cover at any time. Aware Super also offers tailored insurance cover for some higher risk professions such as police and ambulance.
  • Consolidate your super online. You can easily opt to consolidate your existing super into your new Aware Super account when joining, or any time after you've joined via the web portal or mobile app.
  • Access to advice about your super. Members can get free access to general advice about their super account, insurance and investment options. Members can also get access to personal financial advice and planning for an additional fee.

Aware Super investment options explained

Option 1: Pre-mixed investment portfolios

You can choose to invest your super in one of the following pre-mixed investment options depending on your risk tolerance and personal preference.

If you don't want to choose, you'll automatically be invested in the High Growth option below until you're 55 years old. From 55 to 60 this will gradually adjust to the Growth option. And then change to Balanced Growth for members 60-65 years.

Pre-mixed investment optionRisk level How your money is invested
High Growth HighThis option has the largest allocation towards growth assets including shares, and aims for higher returns over the long term. This option aims to invest about 65% of your balance in Australian and international shares. Due to the higher allocation towards shares, this option predicts more volatility in the short term compared with the lower-risk options.
Growth HighThis option aims for high returns over the long term, with slightly less risk and volatility in the short term when compared to the High Growth option. This option aims to invest about 50% of your balance in Australian and international shares.
Diversified Socially Responsible Investment HighThis option has a similar risk level to the Growth option, and aims to invest about 53% of your balance in Australian and international shares. However, this option excludes companies involved with fossil fuels, coal, tobacco, gambling, alcohol, pornography and live animal exports, while actively investing in companies developing renewable energy and innovative technologies.
Balanced Growth HighThis option aims for growth over the medium to long term, however with less volatility in the short term when compared with the High Growth and Growth options. It aims to invest about 35% of your balance in Australian and international shares, with about 39% of your balance invested in defensive assets like credit, fixed income and cash.
Conservative Growth Low to mediumThis option aims for some growth over the medium to long term, with much lower levels of risk and volatility than the other pre-mixed investment options. It only aims to invest about 13% of your balance in shares, with the rest invested in more stable, defensive asset classes like cash, fixed income and credit.

Option 2: Single asset class investment options

If you want to be more hands-on with your super, you can build your own investment portfolio using one or a combination of these single asset class options.

Single asset class optionRisk Target asset allocation
Cash Very lowCash: 100%
Australian Equities Very highAustralian equities: 100%
International Equities Very highInternational equities: 100%
Property HighListed and unlisted property: 100%
Australian Fixed Interest HighFixed income: 100%
International Fixed Interest HighFixed income (international): 100%
Australian Equities Socially Responsible Investment Very highAustralian equities: 100%

What insurance options are available with Aware Super?

You can opt in for the following default insurance when you become an Aware Super member:

  • Death: This is paid to your beneficiaries (usually your immediate family) in the event of your unexpected death.
  • TPD: This is paid to you in the event you become disabled to the point you cannot work.

Your level of cover will depend on your age and occupation, and you can reduce your level of cover or cancel your cover altogether at any time. You also have the option of adding income protection insurance cover at any point.

How do I join Aware Super?

You can join Aware Super online; and the application process is simple and should take you 10-20 minutes to complete.

Make sure you have the following details handy before you start the application:

  • Your full name, date of birth and gender
  • Your Australian residential address
  • Your phone number and email address
  • Your tax file number (TFN)
  • Your chosen investment option and insurance cover
  • Details of your existing super fund if you'd like to consolidate your funds during the application process

Once your application has been completed successfully, you'll receive the details of your membership by email. You should then give these details to your employer if you'd like your compulsory employer super payments to go into your Aware Super fund.

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Editor

Alison Banney is the money editorial manager at Finder. She covers all areas of personal finance, and her areas of expertise are superannuation, banking and saving. She has written about finance for 10 years, having previously worked at Westpac and written for several other major banks and super funds. See full bio

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4 Responses

    Default Gravatar
    BrianMarch 6, 2024

    i’m 67 this year till working full time can i access my super and not affect my taxable income

    Default Gravatar
    MJTApril 28, 2023

    Can i join Aware with zero funds. Funds will start going in as soon as i give my details to my employer. How long does it takes to be effective member? Can i give my membership details to my employer as soon as possible once i received it. Thank you.

      AvatarFinder
      AlisonApril 28, 2023Finder

      Hi,
      Yes you can join the fund without bringing over any money into it initially. You’ll receive your membership details right away after your application is complete, which you can give to your employer.

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