BUSSQ super review: Performance and fees

BUSSQ is an industry super funds for building, construction and civil industries. It offers a default MySuper product as well as several pre-mixed investment options.

BUSSQ

BUSSQ investment options

You'll be invested in the Balanced Growth option when you join BUSSQ. After joining the fund, you can switch to one of the following ready-made or sector-specific investment options if you'd like to.

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Product Finder Score 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.)
BUSSQ logo
Finder Score
BUSSQ Premium Choice - International Shares
Industry fundHigher risk
Finder Score
Last 1 year performance (p.a.)
+5.79%
Last 3 year performance (p.a.)
+8.7%
Last 5 year performance (p.a.)
+8.97%
Last 10 year performance (p.a.)
+7.74%
Fees on $50k balance (p.a.)
$516
More info
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BUSSQ logo
Finder Score
BUSSQ Premium Choice - Cash
Industry fund
Finder Score
Last 1 year performance (p.a.)
+4%
Last 3 year performance (p.a.)
+3.11%
Last 5 year performance (p.a.)
+1.98%
Last 10 year performance (p.a.)
+1.84%
Fees on $50k balance (p.a.)
$256
More info
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BUSSQ logo
Finder Score
BUSSQ Premium Choice - International (Emerging Markets) Shares
Industry fundHigher risk
Finder Score
Last 1 year performance (p.a.)
+4.05%
Last 3 year performance (p.a.)
+6%
Last 5 year performance (p.a.)
+5.49%
Last 10 year performance (p.a.)
+4.1%
Fees on $50k balance (p.a.)
$706
More info
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BUSSQ logo
Finder Score
BUSSQ Premium Choice - Australian Shares
Industry fundHigher risk
Finder Score
Last 1 year performance (p.a.)
+1.4%
Last 3 year performance (p.a.)
+2.5%
Last 5 year performance (p.a.)
+11%
Last 10 year performance (p.a.)
+7.2%
Fees on $50k balance (p.a.)
$421
More info
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BUSSQ logo
Finder Score
BUSSQ Premium Choice - Australian (Small Companies) Shares
Industry fundHigher risk
Finder Score
Last 1 year performance (p.a.)
+0.98%
Last 3 year performance (p.a.)
+2.38%
Last 5 year performance (p.a.)
+12.48%
Last 10 year performance (p.a.)
+8.1%
Fees on $50k balance (p.a.)
$526
More info
Compare product selection
BUSSQ logo
Finder Score
Finder Score
Last 1 year performance (p.a.)
+4.35%
Last 3 year performance (p.a.)
+4.67%
Last 5 year performance (p.a.)
+7.35%
Last 10 year performance (p.a.)
+6.36%
Fees on $50k balance (p.a.)
$556
More info
Compare product selection
BUSSQ logo
Finder Score
BUSSQ Premium Choice - Balanced Growth
Industry fund
Finder Score
Last 1 year performance (p.a.)
+4.35%
Last 3 year performance (p.a.)
+4.67%
Last 5 year performance (p.a.)
+7.35%
Last 10 year performance (p.a.)
+6.36%
Fees on $50k balance (p.a.)
$556
More info
Compare product selection
BUSSQ logo
Finder Score
BUSSQ Premium Choice - High Growth
Industry fundHigher risk
Finder Score
Last 1 year performance (p.a.)
+4.63%
Last 3 year performance (p.a.)
+5.58%
Last 5 year performance (p.a.)
+8.91%
Last 10 year performance (p.a.)
+7.32%
Fees on $50k balance (p.a.)
$561
More info
Compare product selection
BUSSQ logo
Finder Score
BUSSQ Premium Choice - Defensive
Industry fund
Finder Score
Last 1 year performance (p.a.)
+4.01%
Last 3 year performance (p.a.)
+3.04%
Last 5 year performance (p.a.)
+3.81%
Last 10 year performance (p.a.)
+4.08%
Fees on $50k balance (p.a.)
$471
More info
Compare product selection
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Finder Score for super funds

Finder 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.

Read the full Finder Score methodology

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 March 2025

What are the key features of BUSSQ?

  • Industry super fund. BUSSQ is an industry super fund. It began as a fund for the Queensland building and construction sector; however, anyone is now free to join.
  • Investment choices. Choose between some pre-mixed investment portfolios, individual asset class options or the default MySuper portfolio.
  • MySuper investment option. The Balanced Growth option is the default MySuper option for members who don't wish to choose their own investment option. It's designed to suit most members.
  • Default insurance cover. Eligible members receive automatic death and total permanent disablement (TPD) cover.
  • Consolidate your super online. You can opt to consolidate your existing super into your new account when joining or any time after you've joined by logging into your online portal.

BUSSQ investment options explained

BUSSQ offers three types of investment options for you to choose from: MySuper, pre-mixed portfolios and asset class options. If you don't want to choose an option, your super will be invested in the Balanced Growth investment option which is a MySuper-authorised fund.

Pre-mixed investment options

The pre-mixed portfolios each invest in a range of different asset classes. Some have a higher allocation towards growth assets (like shares and property) and therefore a higher risk level.

Pre-mixed investment optionRisk levelAsset allocation (rough estimate)
High Growth

This option is the highest risk level of all the pre-made options, with around 90% allocation to growth assets including local and international shares. It's designed for higher growth over the long term, and is suited for investors with a longer investment timeframe of at least 10 years.

High
  • Growth: 90%
  • Defensive: 10%
Balanced Growth (MySuper option)

This is the default investment option which all members will be placed in if you don't choose a different option after joining. It's designed for growth over the medium to long term, and designed for members with an investment timeframe of at least 5 years. It has a bit less exposure to growth assets compared to the High Growth option.

High
  • Growth: 80%
  • Defensive: 20%
Defensive

This option has the lowest risk level of all the pre-made options, with much less allocation to growth assets and higher exposure to defensive assets including fixed interest and cash. It's designed for investors with a shorter investment timeframe of around 3 years (e.g.: if you're closer to retirement) or those with a low risk tolerance.

Medium
  • Growth: 50%
  • Defensive: 50%

*Asset allocation between growth and defensive assets are a rough guide as of September 2021, and may shift slightly from time to time.

Single-sector investment options

These options are single asset class portfolios. You decide how much you want to invest in each of the options listed below.

  • All Shares
  • Australian Shares
  • Australian Shares (Small companies)
  • Cash
  • Diversified Fixed Interest
  • International Shares
  • International Shares (Emerging Markets)

What insurance does BUSSQ Super offer?

Members can access the following types of insurance cover automatically when joining:

  • Total and permanent disablement cover. This type of cover provides a lump sum payment if you become totally and permanently disabled and can no longer work.
  • Death cover. This policy provides a lump sum payment when you die, allowing you to provide for your loved ones and help them repay debts.

You can cancel, increase or adjust your insurance cover at any time.

How do I join BUSSQ Super?

You can complete an online application in around 15 minutes. You'll need to provide:

  • Your personal details, including your name, address, date of birth and contact information
  • Your Tax File Number (you do not have to give your super fund your TFN but if your fund doesn't have your TFN it won't be able to accept certain types of contributions from you and your benefit payments may be taxed at a higher rate than would otherwise apply)
  • Details of your employer (if you'd like you'd like your super guarantee payments to be added to you new account).

Once you've completed the application you will receive your member number and a confirmation email with the details of your account.

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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Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs. See full bio

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