UniSuper | Performance, features and fees

Finder Best High Growth Super Fund Awards 2023 winner

UniSuper Sustainable High Growth

UniSuper Sustainable High Growth secured the top spot in the high growth category this year. The annual fees for this fund amount to $296 on a $50,000 balance. The fund has delivered impressive high-growth returns, with an annual average of 10.36% over the past 10 years and 8.48% over the past 5 years.

UniSuper performance and fees

When joining the fund you'll be placed in the Balanced option initially, however you can switch to another investment option at any time.

1 - 15 of 15

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.)
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	More Info Compare
UniSuper - Conservative Industry fund	Last 1 year performance (p.a.) +4.01%	Last 3 year performance (p.a.) +3.3%	Last 5 year performance (p.a.) +3.73%	Last 10 year performance (p.a.) +4.6%	Fees on $50k balance (p.a.) $366	More 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	More Info Compare
UniSuper - Growth Industry fundHigher risk	Last 1 year performance (p.a.) +8.46%	Last 3 year performance (p.a.) +6.09%	Last 5 year performance (p.a.) +8.55%	Last 10 year performance (p.a.) +8.64%	Fees on $50k balance (p.a.) $426	More Info Compare
UniSuper - High Growth Industry fundHigher risk	Last 1 year performance (p.a.) +9.6%	Last 3 year performance (p.a.) +7.15%	Last 5 year performance (p.a.) +9.88%	Last 10 year performance (p.a.) +9.76%	Fees on $50k balance (p.a.) $411	More Info Compare
UniSuper - Australian Shares Industry fundHigher risk	Last 1 year performance (p.a.) +6.39%	Last 3 year performance (p.a.) +10.54%	Last 5 year performance (p.a.) +11.5%	Last 10 year performance (p.a.) +9.35%	Fees on $50k balance (p.a.) $321	Compare
UniSuper - International Shares Industry fundHigher risk	Last 1 year performance (p.a.) +15.65%	Last 3 year performance (p.a.) +5.25%	Last 5 year performance (p.a.) +10.31%	Last 10 year performance (p.a.) +10.63%	Fees on $50k balance (p.a.) $391	Compare
UniSuper - Global Companies in Asia Industry fundHigher risk	Last 1 year performance (p.a.) +19.35%	Last 3 year performance (p.a.) +10.42%	Last 5 year performance (p.a.) +13.02%	Last 10 year performance (p.a.) +12.3%	Fees on $50k balance (p.a.) $316	Compare
UniSuper - MySuper 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	Compare
UniSuper - Australian Bond Industry fund	Last 1 year performance (p.a.) +1.82%	Last 3 year performance (p.a.) -2.4%	Last 5 year performance (p.a.) +0.39%	Last 10 year performance (p.a.) +2.11%	Fees on $50k balance (p.a.) $166	Compare
UniSuper - Australian Dividend Income Industry fundHigher risk	Last 1 year performance (p.a.) +5.47%	Last 3 year performance (p.a.) +10.59%	Last 5 year performance (p.a.) +9.22%	Last 10 year performance (p.a.) +8.8%	Fees on $50k balance (p.a.) $301	Compare
UniSuper - Australian Income Industry fund	Last 1 year performance (p.a.) +6.27%	Last 3 year performance (p.a.) +2.25%	Last 5 year performance (p.a.) +2.31%	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $266	Compare
UniSuper - Cash Industry fund	Last 1 year performance (p.a.) +3.95%	Last 3 year performance (p.a.) +1.91%	Last 5 year performance (p.a.) +1.5%	Last 10 year performance (p.a.) +1.74%	Fees on $50k balance (p.a.) $131	Compare
UniSuper - Global Environmental Opportunities Industry fundHigher risk	Last 1 year performance (p.a.) -16.06%	Last 3 year performance (p.a.) -7.46%	Last 5 year performance (p.a.) +8.04%	Last 10 year performance (p.a.) +8.08%	Fees on $50k balance (p.a.) $286	Compare
UniSuper - Listed Property Industry fundHigher risk	Last 1 year performance (p.a.) +4.94%	Last 3 year performance (p.a.) +5.83%	Last 5 year performance (p.a.) +3.48%	Last 10 year performance (p.a.) +7.36%	Fees on $50k balance (p.a.) $211	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

2023 Super funds Customer Satisfaction Awards Highly commended:

Unisuper

UniSuper took second place in our super fund category this year, with 84% of the users that we surveyed saying they'd recommend the super fund provider to a friend. Its customer satisfaction rating was 4.17 out of 5. Find more about Finder Super Funds Satisfaction Awards 2023.

Finder Best Balanced Super Fund 2023 Highly commended

UniSuper Sustainable Balanced

UniSuper Sustainable High Growth claimed the second position in the low fee category. It offers competitive fees of $296 per year on a $50,000 balance. The fund has delivered solid returns, averaging 10.36% annually over the past 10 years and 8.48% annually over the past 5 years.

Key features of UniSuper

• High-performing fund. UniSuper has been among the top performing Growth super funds in recent years. Although past performance isn't a reliable indicator of future performance.
• Low fees. The Balanced option has lower annual fees in comparison to many other balanced super options in the market.
• Originally designed for those working in higher education. UniSuper was originally designed for Australians working in the higher education and research sector, however it is now open to everyone to join.
• MySuper product. The UniSuper Balanced investment option is an approved, low-cost, no-frills MySuper option for members.
• Seven pre-mixed investment options. Members can choose between seven different pre-mixed investment options that each have a different risk level and asset allocation.

UniSuper pre-mixed investment options

Members can choose between seven 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 Balanced options, which is UniSuper's default MySuper investment product.

Sector investment options

If you want to be a bit more hands on with your super, you can create your own investment mix by selecting from one or more of the following individual sector options.

Note that these sector options are designed to be mixed together to form a diversified portfolio, rather than invest your whole balance in one individual sector.

• Australian bond
• Australian Equity Income
• Australian Shares
• Cash
• Global Companies in Asia
• Global Environmental Opportunities
• International Shares
• Listed Property
• Diversified Credit Income

UniSuper 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.

You'll get a default 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.

You can also apply for Income Protection cover at an additional cost to you, which would provide regular payments if you hurt yourself and are unable to work for a period of time.

How to join UniSuper

You can join online by completing the application form on UniSuper's 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.