NGS Super: Performance, investments and fees

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Name	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.)
NGS Super - Indexed Growth Industry fund	Last 1 year performance (p.a.) +13.48%	Last 3 year performance (p.a.) +5.41%	Last 5 year performance (p.a.) +6.69%	Last 10 year performance (p.a.) +7.27%	Fees on $50k balance (p.a.) $140	Continue Compare
NGSS Defensive Industry fund	Last 1 year performance (p.a.) +6.2%	Last 3 year performance (p.a.) +3.07%	Last 5 year performance (p.a.) +3.71%	Last 10 year performance (p.a.) +4.78%	Fees on $50k balance (p.a.) $450	ContinueMore Info Compare
NGSS Diversified Industry fund	Last 1 year performance (p.a.) +10.64%	Last 3 year performance (p.a.) +4.64%	Last 5 year performance (p.a.) +6.14%	Last 10 year performance (p.a.) +7.05%	Fees on $50k balance (p.a.) $560	ContinueMore Info Compare
NGSS Int'l Shares Industry fundHigher risk	Last 1 year performance (p.a.) +23.22%	Last 3 year performance (p.a.) +6.34%	Last 5 year performance (p.a.) +9.23%	Last 10 year performance (p.a.) +10.01%	Fees on $50k balance (p.a.) $385	ContinueMore Info Compare
NGSS Aust Shares Industry fundHigher risk	Last 1 year performance (p.a.) +12.24%	Last 3 year performance (p.a.) +7.13%	Last 5 year performance (p.a.) +8.15%	Last 10 year performance (p.a.) +8.34%	Fees on $50k balance (p.a.) $375	ContinueMore Info Compare
NGSS Balanced Industry fund	Last 1 year performance (p.a.) +7.94%	Last 3 year performance (p.a.) +3.88%	Last 5 year performance (p.a.) +4.83%	Last 10 year performance (p.a.) +5.75%	Fees on $50k balance (p.a.) $460	ContinueMore Info Compare
NGSS Property Industry fundHigher risk	Last 1 year performance (p.a.) +7.43%	Last 3 year performance (p.a.) +5.4%	Last 5 year performance (p.a.) +4.92%	Last 10 year performance (p.a.) +6.3%	Fees on $50k balance (p.a.) $430	ContinueMore Info Compare
NGSS High Growth Industry fundHigher risk	Last 1 year performance (p.a.) +12.19%	Last 3 year performance (p.a.) +4.6%	Last 5 year performance (p.a.) +6.76%	Last 10 year performance (p.a.) +7.74%	Fees on $50k balance (p.a.) $595	ContinueMore Info Compare
NGSS Diversified Bonds Industry fund	Last 1 year performance (p.a.) +1.85%	Last 3 year performance (p.a.) -0.97%	Last 5 year performance (p.a.) +0.25%	Last 10 year performance (p.a.) +1.48%	Fees on $50k balance (p.a.) $400	ContinueMore Info Compare
NGS Super - Cash & Term Deposits Industry fund	Last 1 year performance (p.a.) +4.26%	Last 3 year performance (p.a.) +3.02%	Last 5 year performance (p.a.) +2%	Last 10 year performance (p.a.) +2.01%	Fees on $50k balance (p.a.) $130	Continue Compare

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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 December 2024

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.

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.

To make sure you get accurate and helpful information, this guide has been reviewed by Shubham Pandey, 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 631 Finder guides across topics including:

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