Not sure how to grow your super for a comfy retirement? Or maybe you're concerned about how your money is performing? Well, we've got some good news for you! Aware Super and Finder have teamed up to give you the good stuff. This hub has guides on all the super and retirement topics that everyday Aussies want to learn about (including you). To learn more about Aware Super, visit Finder's handy guide to its products.
Planning for your retirement with Aware Super
Since 1992, Aware Super have helped everyday Aussies reach their retirement goals. And this is because of their distinct approach to investment growth for their members.
So, how does their approach work?
Well, most funds offer one of these investment options:
Static investment options, which is when your money is invested in a mix of assets (like shares, property, or cash) that stays the same over time.
A lifecycle approach, which is when your investment mix changes as you get older and closer to retirement.
Aware Super's default MySuper Lifecycle option is (as the name suggests) a lifecycle approach. This option emphasises high-growth investments while you're 55 or under.
This option keeps you fully invested in high-growth assets while you're 55 or under, and from age 56 MySuper Lifecycle gradually shifts you into the Balanced option.
Lifecycle vs Static: A Side-by-Side Comparison
Lifecycle
Single Strategy
Investment risk
Reduces over time as your investment mix changes.
Investment mix does not change.
Growth of your super
Exposure to growth assets is higher when you're younger, gradually decreasing over time.
Does not change over time. Typically lower exposure to growth assets compared to Lifecycle when you're young.
Evolves with you over time
Yes. Adjusts your investment mix over time as you age.
Below, you'll find a range of articles with more information about Aware Super, superannuation and retirement. Make sure to visit regularly to see the latest news and updates!
SPONSORED: The First Home Super Savers scheme is helping Aussies all over the country buy their first home. We show you how it can benefit your family.
SPONSORED: It's never too early to think about estate planning, especially if you're close to retirement. Here's your ultimate checklist to make planning easy.
SPONSORED: Instead of taking the first one that's offered to you, take some time to figure out which super fund is actually best for you. You'll thank yourself later.
SPONSORED: Considering your super investment options carefully can help put more in your pocket for retirement.
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Why switch to Aware Super?
💡 Expert help and advice
Chat to a retirement and super expert at no extra cost. They can give you tailored advice to boost your super in the lead-up to retirement.
🛠️ Handy online tools and calculators
You can use Aware Super's helpful online tools and calculators to work out how much you need for retirement and how you can get there.
⏳ A lifecycle approach for low-effort investing
MySuper Lifecycle automatically adjusts your investment mix as you get older. Translation? Aware Super will manage your investments to get the most out of your money, so you don't have to lift a finger until it's time to retire.
Looking for other options? Check out these similar products.
How we picked these
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 2026
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.
General advice only. Consider your objectives, financial situation, or needs, which have not been accounted for in this information and read the PDS and TMD at http://aware.com.au/pds before acting. Issued by Aware Super Pty Ltd (ABN 11 118 202 672, AFSL 293340) trustee of Aware Super (ABN 53 226 460 365).
*Aware Super's High Growth option return over 10 years to 30 September 2025. SuperRatings Fund Crediting Rate Survey, September 2025. Based on the SR Growth (77-90) Index. Returns are after tax and investment management expenses but before the deduction of administration fees. Past performance is not an indicator of future performance.
Tom Goodwin is the senior commercial editor for Finder. With more than a decade of experience in the field, he's worked for a variety of high-profile publications and clients, including Reader's Digest, MPA, Insurance Business and HRD Magazine.
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Not sure how to grow your super for a comfy retirement? Or maybe you're concerned about how your money is performing? Well, we've got some good news for you! Aware Super and Finder have teamed up to give you the good stuff. This hub has guides on all the super and retirement topics that everyday Aussies want to learn about (including you). To learn more about Aware Super, visit Finder's handy guide to its products.
