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. Its MySuper product failed APRA's 2026 annual performance test — the only MySuper product to fail this year.
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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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 June 2026
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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. APRA performance test: BUSSQ MySuper Balanced Growth failed APRA's 2026 annual performance test (results published 28 August 2026, based on performance to 30 June 2026) — the only MySuper product to fail this year, out of 50 assessed. A second consecutive failure would require APRA to close the product to new members, and the trustee is required to notify affected members of the result.
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 two types of investment options: the Balanced Growth (MySuper) diversified option and single-asset-class Flex 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
BUSSQ's diversified pre-mixed option is Balanced Growth, which spreads your super across a mix of growth and defensive assets (including Australian and international shares, property, infrastructure and fixed interest) to provide broad diversification in a single option. It's the fund's default (MySuper) option, designed for members with an investment timeframe of at least 5 years. If you want more control, BUSSQ's Foundation + Flex approach lets you add single-asset-class options (such as cash, bonds or shares) on top of Balanced Growth to shift your mix towards a more defensive or growth-focused position. For BUSSQ's current asset allocation figures for Balanced Growth and its other investment options, see BUSSQ's investment options page.
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. The Bonds option isn't covered by the comparison table above.
Australian Shares
Australian Shares (Small companies)
Bonds
Cash
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.
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.
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