UniSuper was a big winner in the 2026 Finder Awards.
Full list of 2026 super winners
When joining the fund you'll be placed in the Balanced option initially, however you can switch to another investment option at any time.
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 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.
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.
| Investment option | Risk level | Target asset allocation |
|---|---|---|
| Conservative This option has the lowest level of investment risk and invests largely in fixed interest and cash. It's designed for members looking to protect their balance, with some growth over the medium term. | Medium |
|
| Conservative Balanced This option has an even balance between growth and defensive assets. It's designed for members who aren't comfortable taking on too much risk and who wish to avoid market fluctuations in the short term, while still gaining some level of capital growth. | Medium to High |
|
| Balanced This is the default investment option and is designed to suit the majority of members. It has around two thirds of your balance invested in growth assets like Australian and international shares and property. | High |
|
| Sustainable Balanced This option has the same high level of exposure to shares as the Balanced option, however the investments are selected on the basis of sustainable investment criteria. | High |
|
| Growth This option provides more allocation to growth assets than the Balanced option, and may suit members looking for a bit more exposure to shares. It's designed for members with a longer investment timeframe of at least 10 years. | High |
|
| High Growth This option invests entirely in growth assets, with almost 90% of your balance invested in shares. It's the most high-risk investment option available, and aims to achieve higher returns over the long term. | High |
|
| Sustainable High Growth This option has the same high level of exposure to shares as the High Growth option, however the investments are selected on the basis of sustainable investment criteria. | High |
|
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.
Eligible members will receive the following default insurance cover when joining:
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.
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:
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.
The average super balance is $154,350. Compare your super balance against the average balance for your age group to see if yours is on track.
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CareSuper is an industry super fund. Learn about MySuper and retirement pension products from CareSuper.
Who is the Insurer for the Death and TPD cover?
Hi Grunta,
MetLife Insurance Limited is the group insurer for Total and Permanent Disablement (TPD), Death, and Income Protection cover for UniSuper members. MetLife replaced the previous provider, TAL, as of June 1, 2024. Hope this helps!
Can you please advise:
1) how the new rules from the 1st July apply to the defined benefit fund and the 13% contribution combined with the 3% member contribution applies to a salary of $160,000 = $25,600 (if the member salary sacrifice their 3% this is all concessional; contributions.
2) how does UniSuper calculate the nominal contribution ?
Hi John,
Thanks for your inquiry.
The new super rules represent the most significant changes for our members in several years and also impact UniSuper’s systems and processes.
Given the extent and significance of these changes, UniSuper has formed a Federal Budget Changes project, which will deliver the system and process changes required for compliance with the new legislation. It will also provide change support and training for impacted teams.
Read more about these changes through the UniSuper website.
To know more about how contributions are calculated, please check out UniSuper’s contribution planner on their website.
Please check out the calculators and tools of Unisuper to learn more.
Hope this information helped.
Cheers,
Arnold