HESTA superannuation | Performance, features and fees

Congratulations, HESTA!

HESTA was a big winner in the 2025 Finder Awards.

• Winner, Best Conservative Super Fund Conservative
• Highly commended, Best Low Fee Super Fund Aust Shares

Full list of 2025 share trading platform winners

HESTA super performance returns and fees

You'll be invested in the Balanced Growth (MySuper) option when you join HESTA. After joining the fund, you can switch to any of the following ready-made or sector-specific investment options.

20 of 20 results

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.)
Finder Score 9.9 Excellent HESTA Allocated Pension - Indexed Balanced Growth NewIndustry fund	Finder Score 9.9 Excellent	Last 1 year performance (p.a.) +13.48%	Last 3 year performance (p.a.) +15.64%	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $258	ContinueMore info Compare product selection Compare	loading
Finder Score 9.8 Excellent HESTA Int'l Shares Industry fundHigher risk	Finder Score 9.8 Excellent	Last 1 year performance (p.a.) +21.67%	Last 3 year performance (p.a.) +20.94%	Last 5 year performance (p.a.) +13.25%	Last 10 year performance (p.a.) +11.24%	Fees on $50k balance (p.a.) $297	ContinueMore info Compare product selection Compare	loading
Finder Score 9.7 Excellent HESTA Indexed Balanced Growth NewIndustry fundIndexed investment	Finder Score 9.7 Excellent	Last 1 year performance (p.a.) +11.96%	Last 3 year performance (p.a.) +13.93%	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $192	ContinueMore info Compare product selection Compare	loading
Finder Score 9.6 Excellent HESTA Allocated Pension - International Shares Industry fundHigher risk	Finder Score 9.6 Excellent	Last 1 year performance (p.a.) +23.92%	Last 3 year performance (p.a.) +22.79%	Last 5 year performance (p.a.) +14.25%	Last 10 year performance (p.a.) +12.04%	Fees on $50k balance (p.a.) $363	ContinueMore info Compare product selection Compare	loading
Finder Score 9.4 Excellent HESTA Allocated Pension - Balanced Growth Industry fund	Finder Score 9.4 Excellent	Last 1 year performance (p.a.) +12.17%	Last 3 year performance (p.a.) +12.92%	Last 5 year performance (p.a.) +10.02%	Last 10 year performance (p.a.) +8.99%	Fees on $50k balance (p.a.) $448	ContinueMore info Compare product selection Compare	loading
Finder Score 9.4 Excellent HESTA Allocated Pension - High Growth Industry fundHigher risk	Finder Score 9.4 Excellent	Last 1 year performance (p.a.) +14.18%	Last 3 year performance (p.a.) +15.73%	Last 5 year performance (p.a.) +12.52%	Last 10 year performance (p.a.) +10.77%	Fees on $50k balance (p.a.) $463	ContinueMore info Compare product selection Compare	loading
Finder Score 9.2 Excellent HESTA Allocated Pension - Australian Shares Industry fundHigher risk	Finder Score 9.2 Excellent	Last 1 year performance (p.a.) +9.42%	Last 3 year performance (p.a.) +15.72%	Last 5 year performance (p.a.) +14.09%	Last 10 year performance (p.a.) +10.74%	Fees on $50k balance (p.a.) $328	ContinueMore info Compare product selection Compare	loading
Finder Score 9.1 Excellent HESTA Aust Shares Industry fundHigher risk	Finder Score 9.1 Excellent	Last 1 year performance (p.a.) +8.29%	Last 3 year performance (p.a.) +14.18%	Last 5 year performance (p.a.) +12.76%	Last 10 year performance (p.a.) +9.95%	Fees on $50k balance (p.a.) $267	ContinueMore info Compare product selection Compare	loading
Finder Score 9 Excellent HESTA Allocated Pension - Conservative Industry fund	Finder Score 9 Excellent	Last 1 year performance (p.a.) +7.77%	Last 3 year performance (p.a.) +8.01%	Last 5 year performance (p.a.) +5.78%	Last 10 year performance (p.a.) +5.95%	Fees on $50k balance (p.a.) $403	ContinueMore info Compare product selection Compare	loading
Finder Score 9 Excellent HESTA MySuper - Balanced Growth Industry fund	Finder Score 9 Excellent	Last 1 year performance (p.a.) +10.36%	Last 3 year performance (p.a.) +11.16%	Last 5 year performance (p.a.) +9.37%	Last 10 year performance (p.a.) +8.16%	Fees on $50k balance (p.a.) $442	ContinueMore info Compare product selection Compare	loading
Finder Score 9 Excellent HESTA Balanced Growth Industry fund	Finder Score 9 Excellent	Last 1 year performance (p.a.) +10.36%	Last 3 year performance (p.a.) +11.16%	Last 5 year performance (p.a.) +9.37%	Last 10 year performance (p.a.) +8.16%	Fees on $50k balance (p.a.) $442	ContinueMore info Compare product selection Compare	loading
Finder Score 8.9 Great HESTA High Growth Industry fundHigher risk	Finder Score 8.9 Great	Last 1 year performance (p.a.) +12.79%	Last 3 year performance (p.a.) +14.07%	Last 5 year performance (p.a.) +12.02%	Last 10 year performance (p.a.) +9.94%	Fees on $50k balance (p.a.) $512	ContinueMore info Compare product selection Compare	loading
Finder Score 8.7 Great HESTA Conservative Finder AwardIndustry fund	Finder Score 8.7 Great	Last 1 year performance (p.a.) +6.79%	Last 3 year performance (p.a.) +7.09%	Last 5 year performance (p.a.) +5.25%	Last 10 year performance (p.a.) +5.42%	Fees on $50k balance (p.a.) $352	ContinueMore info Compare product selection Compare	loading
Finder Score 8.7 Great HESTA Allocated Pension - Sustainable Growth Industry fund	Finder Score 8.7 Great	Last 1 year performance (p.a.) +7.63%	Last 3 year performance (p.a.) +10.98%	Last 5 year performance (p.a.) +8.73%	Last 10 year performance (p.a.) +9.51%	Fees on $50k balance (p.a.) $593	ContinueMore info Compare product selection Compare	loading
Finder Score 8.3 Great HESTA - Sustainable Growth Industry fundEthical	Finder Score 8.3 Great	Last 1 year performance (p.a.) +6.89%	Last 3 year performance (p.a.) +9.86%	Last 5 year performance (p.a.) +7.91%	Last 10 year performance (p.a.) +8.64%	Fees on $50k balance (p.a.) $527	ContinueMore info Compare product selection Compare	loading
Finder Score 8.2 Great HESTA Allocated Pension - Cash and Term Deposits Industry fund	Finder Score 8.2 Great	Last 1 year performance (p.a.) +4.57%	Last 3 year performance (p.a.) +4.36%	Last 5 year performance (p.a.) +2.76%	Last 10 year performance (p.a.) +2.29%	Fees on $50k balance (p.a.) $233	ContinueMore info Compare product selection Compare	loading
Finder Score 8 Great HESTA Allocated Pension - Diversified Bonds NewIndustry fund	Finder Score 8 Great	Last 1 year performance (p.a.) +3.96%	Last 3 year performance (p.a.) +4.57%	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $378	ContinueMore info Compare product selection Compare	loading
Finder Score 7.3 Great HESTA Diversified Bonds Industry fund	Finder Score 7.3 Great	Last 1 year performance (p.a.) +3.35%	Last 3 year performance (p.a.) +3.96%	Last 5 year performance (p.a.) +0.08%	Last 10 year performance (p.a.) +2.07%	Fees on $50k balance (p.a.) $312	ContinueMore info Compare product selection Compare	loading
Finder Score 6.2 Standard HESTA - Cash and Term Deposits Industry fund	Finder Score 6.2 Standard	Last 1 year performance (p.a.) +3.9%	Last 3 year performance (p.a.) +3.7%	Last 5 year performance (p.a.) +2.35%	Last 10 year performance (p.a.) +1.98%	Fees on $50k balance (p.a.) $167	ContinueMore info Compare product selection Compare	loading
Finder Score 3.5 Basic HESTA Allocated Pension - Ready-Made Investment Strategy NewIndustry fund	Finder Score 3.5 Basic	Last 1 year performance (p.a.) N/A	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.) $418	ContinueMore info Compare product selection Compare	loading

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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 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 September 2025

What are the key features of HESTA superannuation?

• Industry super fund. HESTA is an industry fund meaning all profits go back into the fund to benefit members, not shareholders. Industry funds have a reputation for having strong performance returns and low fees.
• Aligned to the health sector. HESTA is dedicated to the health and community services sector and open to all Australians.
• MySuper product available. HESTA's default MySuper-authorised investment option is the Balanced Growth product. MySuper products are no-frills, low-fee options designed to suit most Australians.
• Up to 10 different investment options. Members can choose from 10 different ways to invest their super, based on their risk tolerance and how hands on they want to be. This includes ready-made, diversified investment funds and sector-specific options that are more concentrated on a particular asset class.
• Sustainable investment option available. HESTA offers a sustainable investment option, Sustainable Growth, for members who want their super to be invested more ethically.
• Insurance fee-free cover while on parental leave. Parents can be eligible for up to 12 months of fee-free insurance cover while on parental leave.
• Two income stream options. When you're ready to start accessing your super, you can access a Transition to Retirement (TTR) Income Stream or a Retirement Income Stream to receive regular payments from your super while the balance remains invested.

What are the different HESTA investment options?

The table above shows the performance returns and fees for each of the investment options. Here's a bit more information on how each option differs.

Ready-made investment portfolios

Your Choice investment options (single sector options)

The Your Choice options are for more experienced investors who are comfortable being in control of their asset allocations, and investors who want to be more hands-on with their super. You can choose from seven asset classes, as detailed below, and split your super balance between them as you wish.

What insurance cover is available with HESTA super?

Automatic death and income protection cover is applied to your account when you join. You can opt out of this if you wish when you join, or cancel at any time after your account is opened. You can also tailor it to better suit your needs. You can also apply for lump-sum total and permanent disablement (TPD) cover if you wish.

How do I join HESTA?

If you've decided that HESTA's super account is right for you, you can apply online by filling out the application form.

You will need to supply:

• Personal details. You'll need to provide your personal contact details including your Australian residential address.
• Previous super fund details. If you'd like to consolidate an existing super fund with your new fund online, you will need to provide your current fund details.

After joining you will need to select:

• Investment option. You'll be invested in the Balanced Growth (MySuper) option when you join HESTA. After joining the fund, you can switch to any of the following ready-made or sector-specific investment options.
• Insurance instructions. You'll be asked if you'd like to opt out of or tailor the default insurance policies.

Written by

Alison Banney

Editorial Manager, Money

Alison is an editor at Finder and a personal finance journalist with over 10 years of experience, having contributed to major financial institutions and publications such as Westpac, Money Magazine, and Yahoo Finance. She is frequently quoted in media outlets like SmartCompany and SBS, offering expert insights on superannuation and money management. Alison holds a Bachelor of Communications in Public Relations and Journalism from the University of Newcastle, and has earned three ASIC RG146 certifications in superannuation, securities and managed investments and general financial advice, ensuring her expertise is fully aligned with ASIC standards. See full bio

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