Australian superannuation funds

What are superannuation companies?

Superannuation companies, more commonly referred to as superannuation funds, provide products to help invest and grow your retirement savings while you're still working. According to Finder research, there are 23.2 million superannuation accounts in Australia from a total of 145 fund providers.

Superannuation is compulsory for Australian employees, and you need a dedicated superannuation fund to put the money into (it can't just go into your standard bank account). Super companies offer these dedicated products. As of March 2023, the money held in Australian super funds totaled $3.5 trillion, according to the ASFA.

What are industry super funds?

Industry super funds are not-for-profit funds that were originally reserved for workers in a particular industry, but are now open to all Australians. These funds are owned and run by members, with profits going back into the fund to benefit members. They usually only exist to provide superannuation products.

What are retail super funds?

Retail funds are often owned by a bank, insurance provider or another type of large financial institution. As well as superannuation products, they often offer other financial products and services such as bank accounts, mortgage products and insurance. Profits are distributed among shareholders as well as put back into the fund.

What is a self managed super fund?

A self managed super fund (SMSF) is an option for people who want to manage their superannuation themselves, instead of putting it into a superannuation fund. You can create your own SMSF with up to 4 members (usually family members) and invest your retirement savings how you want to. However, SMSFs are expensive, tricky and time-consuming to run.

List of super companies and super fund products

List of superannuation funds

Use our comparison table to compare super funds based on performance, fees and insurance options.

• Disclaimer

  Unless indicated otherwise, the information in the table is based on data provided by SuperRatings Pty Limited ABN 95 100 192 283, Australian Financial Services Licence 311880.
  
  *Past performance data and fee data is for the period ending Jan 2024

  , according to Chant West. Investment returns are not guaranteed. Past performance is not a reliable indicator of future returns.

  The performance figures listed below do not account for the market volatility experienced in recent months. This is because some funds report their performance figures monthly, some do it quarterly and others bi-annually. Therefore, to ensure the performance figures are consistent and consumers can compare funds in a fair and accurate way, Finder updates all performance figures in December and June each year in line with Chant West. This also gives a more accurate picture of the long-term performance of each fund, while focusing less on short-term market volatility.

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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.)
Australian Ethical Super Balanced Green CompanyEthical	Last 1 year performance (p.a.) +7.74%	Last 3 year performance (p.a.) +4.5%	Last 5 year performance (p.a.) +7.03%	Last 10 year performance (p.a.) +6.89%	Fees on $50k balance (p.a.) $603	Go to siteMore Info Compare
CareSuper Growth Industry fundHigher risk	Last 1 year performance (p.a.) +8.9%	Last 3 year performance (p.a.) +7.71%	Last 5 year performance (p.a.) +8.29%	Last 10 year performance (p.a.) +8.39%	Fees on $50k balance (p.a.) $553	Go to siteMore Info Compare
Aware Super High Growth Industry fundHigher risk	Last 1 year performance (p.a.) +10.17%	Last 3 year performance (p.a.) +7.44%	Last 5 year performance (p.a.) +8.85%	Last 10 year performance (p.a.) +8.69%	Fees on $50k balance (p.a.) $497	Go to siteMore Info Compare
HESTA Balanced Growth Industry fund	Last 1 year performance (p.a.) +8.15%	Last 3 year performance (p.a.) +6.99%	Last 5 year performance (p.a.) +7.39%	Last 10 year performance (p.a.) +7.61%	Fees on $50k balance (p.a.) $477	Go to siteMore Info Compare
UniSuper - Balanced Industry fund	Last 1 year performance (p.a.) +7.48%	Last 3 year performance (p.a.) +5.92%	Last 5 year performance (p.a.) +7.59%	Last 10 year performance (p.a.) +7.95%	Fees on $50k balance (p.a.) $351	Go to siteMore Info Compare
Spirit Super - Balanced (MySuper) Industry fund	Last 1 year performance (p.a.) +7.68%	Last 3 year performance (p.a.) +6.2%	Last 5 year performance (p.a.) +6.65%	Last 10 year performance (p.a.) +7.54%	Fees on $50k balance (p.a.) $452	Go to siteMore Info Compare
CareSuper Balanced Industry fund	Last 1 year performance (p.a.) +7.29%	Last 3 year performance (p.a.) +6.55%	Last 5 year performance (p.a.) +7.15%	Last 10 year performance (p.a.) +7.61%	Fees on $50k balance (p.a.) $553	Go to siteMore Info Compare
Australian Retirement Trust - Growth Industry fundHigher risk	Last 1 year performance (p.a.) +9.88%	Last 3 year performance (p.a.) +10.01%	Last 5 year performance (p.a.) +9.66%	Last 10 year performance (p.a.) +9.21%	Fees on $50k balance (p.a.) $542	Go to siteMore Info Compare
Spaceship - GrowthX Higher risk	Last 1 year performance (p.a.) +22.23%	Last 3 year performance (p.a.) +5.25%	Last 5 year performance (p.a.) +10.87%	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $503	Go to siteMore Info Compare
Australian Retirement Trust - International Shares Index (unhedged) Finder AwardIndustry fundIndexed investmentHigher risk	Last 1 year performance (p.a.) +20.99%	Last 3 year performance (p.a.) +11.75%	Last 5 year performance (p.a.) +12.02%	Last 10 year performance (p.a.) +11.42%	Fees on $50k balance (p.a.) $187	Go to siteMore Info Compare
AustralianSuper - Balanced Industry fund	Last 1 year performance (p.a.) +7.58%	Last 3 year performance (p.a.) +6.44%	Last 5 year performance (p.a.) +7.76%	Last 10 year performance (p.a.) +8.18%	Fees on $50k balance (p.a.) $382	Go to siteMore Info Compare
HESTA High Growth Industry fundHigher risk	Last 1 year performance (p.a.) +10.55%	Last 3 year performance (p.a.) +9.09%	Last 5 year performance (p.a.) +9.56%	Last 10 year performance (p.a.) +9.01%	Fees on $50k balance (p.a.) $557	Go to siteMore Info Compare
UniSuper - Conservative Balanced Industry fund	Last 1 year performance (p.a.) +4.85%	Last 3 year performance (p.a.) +4.78%	Last 5 year performance (p.a.) +4.92%	Last 10 year performance (p.a.) +5.89%	Fees on $50k balance (p.a.) $366	Go to siteMore Info Compare
AustralianSuper Conservative Balanced Finder AwardIndustry fund	Last 1 year performance (p.a.) +5.79%	Last 3 year performance (p.a.) +4.27%	Last 5 year performance (p.a.) +5.69%	Last 10 year performance (p.a.) +6.4%	Fees on $50k balance (p.a.) $367	Go to siteMore Info Compare
Australian Ethical Super Growth Green CompanyEthicalHigher risk	Last 1 year performance (p.a.) +8.89%	Last 3 year performance (p.a.) +6.09%	Last 5 year performance (p.a.) +7.88%	Last 10 year performance (p.a.) +7.64%	Fees on $50k balance (p.a.) $733	Go to siteMore Info Compare
Australian Retirement Trust - Australian Shares Industry fundHigher risk	Last 1 year performance (p.a.) +7.42%	Last 3 year performance (p.a.) +9.72%	Last 5 year performance (p.a.) +9.6%	Last 10 year performance (p.a.) +8.51%	Fees on $50k balance (p.a.) $347	Go to siteMore Info Compare

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Unless indicated otherwise, the information in the table is based on data provided by SuperRatings Pty Limited ABN 95 100 192 283, Australian Financial Services Licence 311880.

*Past performance data and fee data is for the period ending Jan 2024

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Frequently asked questions

• How does super work?

  Your employer will pay your super directly into your chosen super fund account. From there, the super fund will invest the money on your behalf to help it grow and increase your balance. You can choose what level of investment you'd like (for example, if you prefer higher or lower risk options), but the day-to-day investment decisions are managed by your super fund. To make an informed decision about your investment strategy, it's important to compare super funds using our super funds comparison table. By evaluating factors such as performance, fees, and risk profiles, you can select the best super fund that best aligns with your goals and preferences.

• What is the super guarantee?

  The super guarantee is the amount of super your employer is legally required to pay you into your chosen super fund, on top of your salary or wages. Currently the super guarantee rate is 11% of your annual income.