NGS Super: Performance, investments and fees
NGS Super is an industry fund for members working in non-government education and community organisations. It has 7 different investment portfolios to choose between, including an ethical option.
Our verdict
Looking into NGS Super Funds? It's a great pick for those who lean towards ethical investing and value for money. Whether you're just kicking off your super journey or thinking of switching, NGS has a variety of options to suit different stages and preferences. Their focus on community and inclusivity, alongside a solid range of investment choices, including an ethical option, makes them stand out. Dive into the details to see if it clicks with you.
Choosing a super is personal – what's right for one might not suit another. It's all about finding what feels right for your future.
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How we picked theseFinder 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.
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
Key features of NGS Super
- Designed for the community. NGS Super is an industry fund for those working in non-government education and community organisations, however it is now open to everyone to join.
- More than 100,000 members. NGS super has more than 100,000 members across Australia.
- Default insurance options. Eligible members will get default insurance cover when joining the fund with no medical exams.
- MySuper product. The NGS Super Diversified (MySuper) investment option is the default option for all members when joining the fund, unless you choose otherwise.
- Pre-mixed investment options. Members can choose between a range of 6 additional pre-mixed investment options that each have a different risk level and asset allocation.
- Ethical option. One of the pre-mixed investment options, NGS Super Socially Responsible Diversified, has an ethical investment focus.
NGS Super pre-mixed investment options
Members can choose between these 7 pre-mixed, diversified investment options depending on the level of risk you want to take on. If you don't make an investment choice, you'll be placed in the Diversified (MySuper) option, which is the default MySuper investment product designed to suit most members.
| Investment option | Risk level | Target asset allocation |
|---|---|---|
| Defensive Your money is invested in more defensive asset classes such as fixed interest and cash. Shares and infrastructure also remain in the picture, albeit in small manner. With this option, you'd be looking at low to medium risk over a period of five years, which would increase to low risk for 10 years. | Medium |
|
| Diversified (MySuper) This is the default investment option designed to suit most members. It's where you'll be invested if you don't make an investment preference. It has a focus on growth over the medium to long term. | High |
|
| Balanced This option sits somewhere in the middle - it aims to provide a balanced exposure to defensive and growth asset classes. | Medium to High |
|
| Socially Responsible Diversified This option has a similar allocation to growth and defensive assets as the default Diversified MySuper option and therefore the same risk level. However, this option considers investments that focus on managing sustainability and environmental, social, and governance (ESG) risks. | High |
|
| Indexed Growth This option provides more allocation to growth assets than the previous options, and may suit members looking for more exposure to shares. It's designed for members with a longer investment timeframe of at least 10 years, or members with a higher risk tolerance. It uses indexed investments and aims to have lower investment costs thanks to passive strategies. | High |
|
| High Growth This option invests more than 80% in growth assets, with more than 60% of your balance invested in Australian and international shares. It's aims to achieve higher returns over the long term, and is designed for members seeking higher long-term growth. | High |
|
Sector investment options
If you want more control over super, you can put together your own investment mix using one or more of the following individual sector options.
- Australian Shares
- International Shares
- Infrastructure
- Cash and Term Deposits
- Property
- Diversified Bonds
NGS Super default insurance cover
Eligible members will receive the following default insurance cover when joining:
- Death: This cover provides a lump sum payment to your nominated beneficiaries in the event of your death.
- Total and Permanent Disablement (TPD): This cover provides a lump sum payment to you in the event that you become permanently disabled.
- Income Protection: This cover is paid out in the even you can't work and lose your income.
You'll get a default, basic level of cover for the above insurances, however you can apply to increase your level of cover at any time if you think it's the right choice for you. You can also opt out of all insurance cover all together.
🔥 Quick tip when considering your super investment options
Alison Banney, superannuation editor
"You don't need to choose an investment option when you join a new fund if you don't want to. The default options are designed to suit most people, and many are among the top-performing funds each year. IF you do want to change your super investment option later, you can do this easily by logging in to your account online or via
How to join NGS Super
You can join online by completing the application form on the NGS Super website. The application form should take you around 10-20 minutes to complete, and you'll need to provide the following bits of information:
- Your full name, date of birth and contact information
- Your Australian residential address
- Your phone number and email address
- Your tax file number (TFN)
- Your chosen investment option (if you want to invest in something other than the Balanced option) and insurance cover
- Details of your existing super fund if you'd like to consolidate your super
Once your application has been completed successfully, you'll receive your membership details by email. You can then give these to your employer so they can start paying your superannuation guarantee payments into your new fund.
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