We currently don't have that product, but here are others to consider:
How we picked these
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
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.
MySuper is a type of superannuation product, and is usually the default option offered by Australian super funds. This means when you join a super fund you'll automatically be placed in the fund's MySuper investment option, unless you choose to be in a different investment option.
The idea of MySuper products is that they are low-cost, simple products without any confusing investment options or special features that are hard to understand. MySuper products are offered by both retail super funds and industry super funds as an investment option alongside their existing investment options.
All Australian employers have a default super fund for employees who don't already have their own super fund, or who don't want to choose a super fund themselves. MySuper is a government initiative to provide simple super products for employers to choose as their default fund for employees. MySuper options have basic features and fee structures allowing members to compare funds easily based on cost, investment performance and insurance.
MySuper products typically have the following features:
"MySuper is designed to simplify super; regardless, it's still important to compare performance and fees. Even small differences can add up over time, especially for women who typically retire with less super than men."
There are two main investment options offered by MySuper products; a diversified investment portfolio or a lifecycle strategy that invests based on your age.
With this option, your super is invested according to your age. For example when you're young your super will be invested in more high-risk growth assets like shares, because you have more time to ride out any market volatility. If you're older (for example in your 50s) your super will be invested in more low-risk options like term deposits and bonds.
This is a good set-and-forget investment strategy because it will be adjusted for you as you get older, to make sure it's invested appropriately. This means you won't have to think about your super until you're looking to retire, which is appealing for a lot of people who don't want the stress of managing their super.
This investment option offers one single diversified portfolio (diversified simply means it's got a mix of different assets, such as shares, property, infrastructure, fixed interest and cash). This option doesn't invest in line with your age, but is still managed on your behalf and continually adjusted. A lot of these investment options will allocate about 70% of your super balance to growth assets (higher risk, but higher return assets like shares) and about 30% to defensive assets (like cash products). They're usually called 'Growth' or 'Balanced' options.
Learn more about the different super fund investment options available.
MySuper products are designed to broadly suit most members. This is because they don't take on excessive amount fo risk by invested too heavily to growth assets, but they still do proioritise growth.
However, this doesn't mean that your fund's default MySuper option is the best product for you. It's generally recommended that you invest into a growth or high growth super investment option while you're still young (in your 20s, 30s and 40s). You might find that your fund's MySuper option doesn't invest as strongly into growth assets as you'd like it to.
"I ignored my super balance for years. I even kept an old fund open with a few thousand dollars in it. Bad idea. Then I consolidated funds and switched from my default balanced option to a higher growth, higher risk option.
This suits me because I am decades from retirement, so I can handle some volatility. And growth is my main objective. I only wish I'd done it earlier in life!"
Time to compare super funds?
Time to switch to a better performing super fund? Compare the performance of 300+ super options over the last 10 years!
It's likely that the super fund you've currently got your super balance in is a MySuper fund, but just isn't named as such. Here are some examples of popular super funds and their default MySuper option.
| Super fund | MySuper product |
| AustralianSuper | AustralianSuper Balanced |
| Australian Ethical Super | Australian Ethical Super Balanced |
| Hostplus | Hostplus Balanced |
| Sunsuper | Sunsuper Lifecycle Balanced |
| REST Super | REST Super Core Strategy |
| UniSuper | UniSuper Balanced |
Use our free superannuation calculator to see your projected retirement balance, and how this could change by switching funds.
The average super balance is $154,350. Compare your super balance against the average balance for your age group to see if yours is on track.
Hostplus is an industry super fund with strong past-performance returns and low fees.
Here’s why it’s so important to consolidate your super, and the steps you need to follow to roll over your super today.
Sunsuper is an industry super fund that meets your needs as you move through the workforce and transition into retirement.
A comprehensive review of AustralianSuper, its investment options and how it can help you save for retirement.
Find a superannuation solution to suit your life stage, financial situation and retirement goals with UniSuper.
Unsure which super fund to choose? Here's what to look for when choosing your own super fund to ensure it's the best one for you.
Vision Super is a profit-for-members fund with 13 investment products to choose between including a MySuper option and an ethical option.
Aware Super is a low-fee super fund with 12 different ways to invest including a MySuper option and an ethical investment option.
What is the difference between MYSUPER and a regular BALANCED fund?
Hi Darren,
Thank you for getting in touch with Finder.
A balanced fund is a type of investment option while MySuper is one of the superannuation options for Australians. Your fund’s various investment options may contain the same types of assets, but at a different weighting and to suit the level of risk you are comfortable with. You can learn more about the balanced funds.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
I wish to compare the % return on my allocated pension accounts with you, with my “locked up ” account with BT.
All the years from 2009 onwards please. Also is the annual charge still $400 , in fact , what are the total annual costs with my cbus and , if relevant , when did they change.
(I intend fighting Westpac and wish to hi-lite what’s available compared with their awful costs and financial adviser performance.)
Thank you in anticipation.
Hi Paul,
Thank you for reaching out. Please note that you’ve come through to finder.com.au – a financial comparison website and general information service designed to help consumers make better decisions. We do not offer super funds and we are not affiliated with any company we feature on our site so we can only offer general advice.
I’m afraid we do not have that information you are looking for. Is your account with Cbus? If so, please contact them directly if you’d like to compare the return on your allocated pension and all other fees and charges as well as the changes on your account.
In case, you can also find super funds available for you on our website. You can also read more details on industry super funds.
Alternatively, you can speak to a financial adviser who can help you manage your super.
Cheers,
May