We currently don't have a partnership for that product, but we have other similar offers to choose from (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 October 2024
Using data from the 2024 Finder Awards, we have the following winners based on different super fund categories:
We regularly look at the super funds in our database to determine which are the best offers for a range of different purposes. Our best super fund picks are a combination of winners from the Finder Awards, the Finder Green Awards and our own expert selections from our partners.
For more detailed insights into the Finder Award winners and how each category of super fund awards was judged, take a look at our Finder Superannuation Awards 2024 for a full breakdown of each methodology.
We can look at the most up-to-date returns as of September 2024 to find the highest-performing funds so far this year. The super funds with the highest returns last year are all single sector investment options that invest entirely in shares and/or property assets.
| Super fund product | 1-Year return |
|---|---|
| Virgin Money Super Indexed Australian Listed Property | 43.32% |
| Australian Retirement Trust - Listed Property Index | 39.55% |
| REI Super - Australian Property | 39.52% |
| UniSuper - Listed Property | 30.60% |
| Mine Super Property | 29.10% |
| Hostplus - International Shares (Hedged) - Indexed | 26.43% |
| Vanguard Super SaveSmart - International Shares (Hedged) | 26.36% |
| REI Super - Australian Shares | 25.89% |
| NGSS Property | 25.20% |
| legalsuper Overseas Shares | 25.14% |
These are all very high-risk investment options as they invest exclusively in shares. When there's a market fall, these options would be likely to instead make a negative return.
The Finder Customer Satisfaction Awards recognises the best performing super fund for customer satisfaction. It's an award that is decided by the only votes that really matter – yours. We asked customers of major super funds to tell us about their experiences. Now we can reveal what they said.
| Provider | Overall satisfaction | Trustworthy/reliable |
|---|---|---|
 | ★★★★★ 4.46/5 | 100% |
 | ★★★★★ 4.46/5 | 94% |
 | ★★★★★ 4.28/5 | 94% |
 | ★★★★★ 4.26/5 | 100% |
 | ★★★★★ 4.15/5 | 91% |
Each year the regulator APRA analyses the market and identifies the worst super funds that are underperforming for members. APRA tested 58 MySuper products in 2023 which held $907 billion in assets, and the test showed an average performance of 0.41% above the benchmark.
APRA found that 80% of members' MySuper accounts perform above the benchmark, which is great if you are in that cohort. But for the remaining 20% the products underperformed by >0.50%. While only a small amount, you don't want your super to underperform.
You can use Finder's superannuation calculator to see an estimate of your retirement balance based on your current fund, versus if you switched to a different fund with better returns or lower fees.
Choosing the right super fund is crucial for your financial future. While the top-performing funds are a great start, they may not always align with your specific needs. If you're looking elsewhere, consider these key factors:
"I only moved to Australia 6 years ago so I'm playing catch up with my super. For me, low fees are important and to know my money isn't being invested in something that's destroying the planet. I also cancelled the life insurance inside my super because the premiums increase every year."
Compound growth allows your super returns to be reinvested and generate their own returns, helping your balance grow much faster over time. Here's how it works.
Superannuation is the main way of saving for your retirement in Australia. Your superannuation is one big investment portfolio in your name that's managed for you by your super fund.
Conservative super funds are designed to protect your superannuation savings. These funds have more money invested in low-risk, defensive assets like cash, fixed interest and bonds and less money invested in shares.
A high growth super fund invests more of your super into growth assets like shares, aiming for higher returns over the long term.
Trying to decide between AustralianSuper and Australian Ethical Super? We've compared their fees, performance and investments to help you choose.
Trying to decide between AustralianSuper and QSuper? We've compared their fees, investment options, performance and extras side by side to help you choose.
Trying to decide between AustralianSuper and Sunsuper? We've compared their fees, investment options, performance and extras side by side to help you choose.
Here’s why it’s so important to consolidate your super, and the steps you need to follow to roll over your super today.
Find out if you're eligible for the government's co-contribution scheme, potentially receiving up to $500 for making personal after-tax contributions.
As a self employed, am I by law required to have a super fund? At 50, contemplating on starting a superannuation fund, plus paying for a 30 year mortgage, is there a table showing approximately returns on what amount is put in… Are there previous charts on what is put in and what is the outcome after 10/ 20 years?
Hi there,
When you are self-employed there is no legal requirement to pay yourself superannuation. However, there may be some tax advantages of doing so, not to mention the benefit of investment returns.
We’re not licenced to offer personal advice, but this calculator can help you understand how much you might be able to generate through super (in the employer contributions section, enter the percentage that you are considering paying):
https://www.finder.com.au/super-funds/superannuation-calculator
Also, here is some more information about superannuation for self-employed Australians:
https://www.finder.com.au/super-funds/superannuation-for-sole-traders
Hope this helps!
i have a 15 year old who is working. what is the best super fund for teenagers?
Hi Rachel,
We won’t be able to recommend any specific super fund products for your son. However we have written what to look for when selecting a suitable fund here
Thanks
Raj
Hi, I am looking for the best returning super fund taking into account as is stated on your website the fees, how the fund invests your money and if it aligns with your risk appetite which is high growth. The difficulty I am having is comparing high growth as the definition/asset class and the weightings between different super funds can vary so we are not comparing apples to apples. Currently I am with an industry fund and find since they run a lot of ads, fund profits/fees are eaten by the ads so I am looking for other type of funds that are also transparent. Thank you
Hi Navid, Finder is a comparison site and we aren’t licensed to give you any personal advice or product recommendations. You can use our comparison table to compare high growth options, by using the filters on the side: https://www.finder.com.au/super-funds
Hope this helps. Thanks,
Alison
Hi, I’m an international student (my plan is to get a PR eventually), and I am about to start 2 casual jobs; I do not know how to choose which is better for my situation. Could you please assist me with that?
Thank you.
Hi Maria, we aren’t licensed to offer you any personal financial advice or product recommendations. In general when choosing a super fund it’s best to look for a fund that has a combination of low annual fees and a history of high long-term returns. If you’d like some personal recommendations it’d be best to speak to a financial adviser who can give you recommendations for your situation. Thanks, Alison.
If the fees charged by on a Pension account are a percentage of your balance, how do you lose money by having more than one account?
Hi Barb, usually super funds charge a dollar based fee as well as a percentage based fee.