What is MySuper?

18 of 160 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.)
Promoted Finder Score 9.4 Excellent Aware Super Future Saver - MySuper Lifecycle Manage Age 56 Industry fundLifestage	Finder Score 9.4 Excellent	Last 1 year performance (p.a.) +11.42%	Last 3 year performance (p.a.) +12.71%	Last 5 year performance (p.a.) +10.15%	Last 10 year performance (p.a.) +9.3%	Fees on $50k balance (p.a.) $442	Go to siteMore info Compare product selection Compare	loading
Promoted Finder Score 9.9 Excellent Vanguard MySuper - Lifecycle Age 47 and under NewLifestage	Finder Score 9.9 Excellent	Last 1 year performance (p.a.) +14.02%	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.) $280	Go to siteMore info Compare product selection Compare	loading
Promoted Finder Score 9 Excellent Hostplus Balanced Industry fund	Finder Score 9 Excellent	Last 1 year performance (p.a.) +11.22%	Last 3 year performance (p.a.) +10.24%	Last 5 year performance (p.a.) +9.89%	Last 10 year performance (p.a.) +8.86%	Fees on $50k balance (p.a.) $654	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.9 Excellent Vanguard MySuper - Lifecycle Age 61 NewLifestage	Finder Score 9.9 Excellent	Last 1 year performance (p.a.) +9.75%	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.) $280	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.9 Excellent Vanguard MySuper - Lifecycle Age 48 NewLifestage	Finder Score 9.9 Excellent	Last 1 year performance (p.a.) +13.68%	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.) $280	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.8 Excellent Vanguard MySuper - Lifecycle Age 49 NewLifestage	Finder Score 9.8 Excellent	Last 1 year performance (p.a.) +13.35%	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.) $280	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.8 Excellent Virgin Money Super - LifeStage Tracker Lifestage	Finder Score 9.8 Excellent	Last 1 year performance (p.a.) +13.3%	Last 3 year performance (p.a.) +15.37%	Last 5 year performance (p.a.) +11.14%	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $344	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.8 Excellent Vanguard MySuper - Lifecycle Age 50 NewLifestage	Finder Score 9.8 Excellent	Last 1 year performance (p.a.) +13.02%	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.) $280	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.7 Excellent Vanguard MySuper - Lifecycle Age 62 NewLifestage	Finder Score 9.7 Excellent	Last 1 year performance (p.a.) +9.42%	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.) $280	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.7 Excellent Vanguard MySuper - Lifecycle Age 51 NewLifestage	Finder Score 9.7 Excellent	Last 1 year performance (p.a.) +12.69%	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.) $280	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.7 Excellent Vanguard MySuper - Lifecycle Age 52 NewLifestage	Finder Score 9.7 Excellent	Last 1 year performance (p.a.) +12.43%	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.) $280	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.7 Excellent Vanguard MySuper - Lifecycle Age 63 NewLifestage	Finder Score 9.7 Excellent	Last 1 year performance (p.a.) +9.1%	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.) $280	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.6 Excellent Vanguard MySuper - Lifecycle Age 53 NewLifestage	Finder Score 9.6 Excellent	Last 1 year performance (p.a.) +12.17%	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.) $280	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.6 Excellent Vanguard MySuper - Lifecycle Age 64 NewLifestage	Finder Score 9.6 Excellent	Last 1 year performance (p.a.) +8.77%	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.) $280	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.6 Excellent Vanguard MySuper - Lifecycle Age 54 NewLifestage	Finder Score 9.6 Excellent	Last 1 year performance (p.a.) +11.9%	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.) $280	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.6 Excellent Vanguard MySuper - Lifecycle Age 65 NewLifestage	Finder Score 9.6 Excellent	Last 1 year performance (p.a.) +8.7%	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.) $280	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.5 Excellent Vanguard MySuper - Lifecycle Age 55 NewLifestage	Finder Score 9.5 Excellent	Last 1 year performance (p.a.) +11.64%	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.) $280	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.5 Excellent Vanguard MySuper - Lifecycle Age 66 NewLifestage	Finder Score 9.5 Excellent	Last 1 year performance (p.a.) +8.64%	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.) $280	Go to siteMore 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 is MySuper?

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.

The features of MySuper products

MySuper products typically have the following features:

• Low, simple fees (although some are much higher than others, so you still need to compare)
• Simple features
• Simple, default insurance options which you can easily opt out of if you wish
• A single diversified investment option, or
• A lifecycle investment option based on your age
• Investment strategy that isn't too high-growth, or too conservative

Expert insight

"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."

Pascale Helyar-Moray

Superannuation and wealth expert

MySuper investment options

There are two main investment options offered by MySuper products; a diversified investment portfolio or a lifecycle strategy that invests based on your age.

Lifecycle investment option

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.

Single diversified investment option

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.

Is MySuper right for you?

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!"

Richard Whitten

Senior Money Editor

MySuper options: Some popular examples

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.

Pros and cons of Mysuper

Frequently Asked Questions

• What is MySuper in Australia?

  MySuper products are the default super investment option that Australian employers offer employees. When you join a super fund in Australia, you'll be placed in the fund's MySuper product unless you select a different investment option.

• Is MySuper safe in Australia?

  Yes, MySuper products are heavily regulated in Australia.

• Do MySuper products perform well?

  Yes, many MySuper products have strong investment returns (but not all do). In fact, of the top performing super funds over the last dacade, many of them are MySuper products.

• Is MySuper compolsory?

  It is compolsory for all employeers in Australia to be paid superannuation. However, it is not compolsory to use a MySuper product. You can choose how to invest your superannuation, but if you don't want to choose, a MySuper product is the default option.

To make sure you get accurate and helpful information, this guide has been reviewed by Pascale Helyar-Moray, a member of Finder's Editorial Review Board.

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

Alison's expertise

Alison has written 660 Finder guides across topics including:

• Superannuation
• Savings accounts, bank accounts and term deposits
• Budgeting and money-saving hacks
• Managing the cost of living