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.
Unless indicated otherwise, the information in the 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.
*Past performance data and fee data is for the period ending Apr 2024
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 |
|
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.
Eligible members will receive the following default insurance cover when joining:
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.
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
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:
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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