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 2024, the money held in Australian super funds totalled $3.9 trillion, according to the ASFA (Association of Superannuation Funds of Australia).¹

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

  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 2025

  , 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.

16 of 467 results

Finder Score	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.)
Promoted Finder Score 9.6 Excellent Aware Super High Growth Indexed NewIndustry fundIndexed investmentHigher risk	Finder Score 9.6 Excellent	Last 1 year performance (p.a.) +14.69%	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $162	This is a high risk investment option that invests heavily in Australian and international shares and aims for higher returns over the long term.	Go to siteMore info Compare product selection Compare	loading
Promoted Finder Score 8.2 Great Australian Ethical Super - High Growth EthicalHigher risk	Finder Score 8.2 Great	Last 1 year performance (p.a.) +11.4%	Last 3 year performance (p.a.) +13.32%	Last 5 year performance (p.a.) +11.24%	Last 10 year performance (p.a.) +9.3%	Fees on $50k balance (p.a.) $748	This is a high-risk, high-growth option that invests in Australian and international shares, property and alternatives to provide long term growth.	Go to siteMore info Compare product selection Compare	loading
Promoted Finder Score 9.5 Excellent Hostplus International Shares Industry fundHigher risk	Finder Score 9.5 Excellent	Last 1 year performance (p.a.) +20.33%	Last 3 year performance (p.a.) +18.01%	Last 5 year performance (p.a.) +10.81%	Last 10 year performance (p.a.) +11.49%	Fees on $50k balance (p.a.) $349	Go to siteMore info Compare product selection Compare	loading
Finder Score 8.8 Great UniSuper - Sustainable High Growth Most LovedIndustry fundEthicalHigher risk	Finder Score 8.8 Great	Last 1 year performance (p.a.) +11.55%	Last 3 year performance (p.a.) +14.87%	Last 5 year performance (p.a.) +9.98%	Last 10 year performance (p.a.) +10.34%	Fees on $50k balance (p.a.) $326	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.9 Excellent Vanguard MySuper - Lifecycle Age 47 and under NewLifestage	Finder Score 9.9 Excellent	Last 1 year performance (p.a.) +14.02%	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $280	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.2 Excellent Australian Ethical Super International Shares EthicalHigher risk	Finder Score 9.2 Excellent	Last 1 year performance (p.a.) +17.84%	Last 3 year performance (p.a.) +19.24%	Last 5 year performance (p.a.) +13.58%	Last 10 year performance (p.a.) +10.29%	Fees on $50k balance (p.a.) $668	This option aims for high growth, with a higher risk profile, by investing in international stock markets.	Go to siteMore info Compare product selection Compare	loading
Finder Score 8.8 Great Australian Retirement Trust - High Growth Industry fundHigher risk	Finder Score 8.8 Great	Last 1 year performance (p.a.) +12.26%	Last 3 year performance (p.a.) +12.97%	Last 5 year performance (p.a.) +12.23%	Last 10 year performance (p.a.) +10.11%	Fees on $50k balance (p.a.) $487	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.3 Excellent Spaceship - GrowthX Higher risk	Finder Score 9.3 Excellent	Last 1 year performance (p.a.) +19.52%	Last 3 year performance (p.a.) +21.83%	Last 5 year performance (p.a.) +11.28%	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $564	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.6 Excellent Hostplus Indexed Balanced Finder AwardIndustry fund	Finder Score 9.6 Excellent	Last 1 year performance (p.a.) +11.59%	Last 3 year performance (p.a.) +13.98%	Last 5 year performance (p.a.) +10.11%	Last 10 year performance (p.a.) +8.44%	Fees on $50k balance (p.a.) $139	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.1 Excellent UniSuper - Sustainable Balanced Most LovedIndustry fundEthical	Finder Score 9.1 Excellent	Last 1 year performance (p.a.) +10.21%	Last 3 year performance (p.a.) +12.43%	Last 5 year performance (p.a.) +7.81%	Last 10 year performance (p.a.) +8.27%	Fees on $50k balance (p.a.) $326	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.8 Excellent Virgin Money Super - LifeStage Tracker Lifestage	Finder Score 9.8 Excellent	Last 1 year performance (p.a.) +13.3%	Last 3 year performance (p.a.) +15.37%	Last 5 year performance (p.a.) +11.14%	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $344	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.5 Excellent Aware Super - Balanced Socially Conscious Industry fundEthical	Finder Score 9.5 Excellent	Last 1 year performance (p.a.) +12.6%	Last 3 year performance (p.a.) +12.81%	Last 5 year performance (p.a.) +9.56%	Last 10 year performance (p.a.) +8.73%	Fees on $50k balance (p.a.) $337	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.5 Excellent AMP Super MySuper Lifestages 1970s Lifestage	Finder Score 9.5 Excellent	Last 1 year performance (p.a.) +13.27%	Last 3 year performance (p.a.) +13.4%	Last 5 year performance (p.a.) +10.35%	Last 10 year performance (p.a.) +8.38%	Fees on $50k balance (p.a.) $465	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.7 Excellent Australian Retirement Trust - International Shares Index (unhedged) Industry fundIndexed investmentHigher risk	Finder Score 9.7 Excellent	Last 1 year performance (p.a.) +20.5%	Last 3 year performance (p.a.) +20.09%	Last 5 year performance (p.a.) +14.69%	Last 10 year performance (p.a.) +11.94%	Fees on $50k balance (p.a.) $177	Go to siteMore info Compare product selection Compare	loading
Finder Score 8.3 Great Aware Super Future Saver - MySuper Lifecycle High Growth Industry fundLifestageHigher risk	Finder Score 8.3 Great	Last 1 year performance (p.a.) +11.68%	Last 3 year performance (p.a.) +13%	Last 5 year performance (p.a.) +10.48%	Last 10 year performance (p.a.) +9.58%	Fees on $50k balance (p.a.) $452	A lifecycle super fund weighted heavily towards high growth assets, targeted to people 55 and under.	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.3 Excellent Vanguard Super SaveSmart - High Growth NewHigher risk	Finder Score 9.3 Excellent	Last 1 year performance (p.a.) +13.93%	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $270	This is a high-risk, high-growth option that invests in a range of different asset classes, with a strong focus on Australian and international shares.	Go to siteMore info Compare product selection Compare	loading

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How we picked these

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.

Read the full methodology

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 2025

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 11.50% of your annual income.