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 at June 2026, Australians held about $4.77 trillion in superannuation, according to APRA.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 6 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
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List of superannuation funds
Use our comparison table to compare super funds based on performance, fees and insurance options.
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Performance and fee data in this table is 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. 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 SuperRatings. 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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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.
Frequently asked questions
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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.
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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 12% of your annual income.
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Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
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Hi, Could you please tell me which provider accepts Kiwisaver fund? cheers
Hi Thanawan,
Thanks for your question. I’ve emailed you a private response.