BUSSQ super review: Performance and fees

BUSSQ investment options

You'll be invested in the Balanced Growth option when you join BUSSQ. After joining the fund, you can switch to one of the following ready-made or sector-specific investment options if you'd like to.

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Last 1 year performance (p.a.) (low-high)Last 1 year performance (p.a.) (high-low)Last 3 year performance (p.a.) (low-high)Last 3 year performance (p.a.) (high-low)Last 5 year performance (p.a.) (low-high)Last 5 year performance (p.a.) (high-low)Last 10 year performance (p.a.) (low-high)Last 10 year performance (p.a.) (high-low)Fees on $50k balance (p.a.) (low-high)Fees on $50k balance (p.a.) (high-low)

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.)
BUSSQ MySuper Balanced Growth Industry fund	Last 1 year performance (p.a.) +9.29%	Last 3 year performance (p.a.) +3.76%	Last 5 year performance (p.a.) +5.72%	Last 10 year performance (p.a.) +6.97%	Fees on $50k balance (p.a.) $556	ContinueMore Info Compare
BUSSQ Premium Choice - Balanced Growth Industry fund	Last 1 year performance (p.a.) +9.29%	Last 3 year performance (p.a.) +3.76%	Last 5 year performance (p.a.) +5.72%	Last 10 year performance (p.a.) +6.97%	Fees on $50k balance (p.a.) $556	Continue Compare
BUSSQ Premium Choice - Australian Shares Industry fundHigher risk	Last 1 year performance (p.a.) +11.59%	Last 3 year performance (p.a.) +3.63%	Last 5 year performance (p.a.) +7.34%	Last 10 year performance (p.a.) +8.61%	Fees on $50k balance (p.a.) $421	Continue Compare
BUSSQ Premium Choice - Australian (Small Companies) Shares Industry fundHigher risk	Last 1 year performance (p.a.) +8.24%	Last 3 year performance (p.a.) +2.2%	Last 5 year performance (p.a.) +7.94%	Last 10 year performance (p.a.) +9.35%	Fees on $50k balance (p.a.) $526	Continue Compare
BUSSQ Premium Choice - International Shares Industry fundHigher risk	Last 1 year performance (p.a.) +18.6%	Last 3 year performance (p.a.) +4.76%	Last 5 year performance (p.a.) +6.63%	Last 10 year performance (p.a.) +8.78%	Fees on $50k balance (p.a.) $516	Continue Compare
BUSSQ Premium Choice - High Growth Industry fundHigher risk	Last 1 year performance (p.a.) +11.61%	Last 3 year performance (p.a.) +4.82%	Last 5 year performance (p.a.) +6.9%	Last 10 year performance (p.a.) +8.1%	Fees on $50k balance (p.a.) $561	Continue Compare
BUSSQ Premium Choice - Cash Industry fund	Last 1 year performance (p.a.) +4.01%	Last 3 year performance (p.a.) +2.81%	Last 5 year performance (p.a.) +1.84%	Last 10 year performance (p.a.) +1.8%	Fees on $50k balance (p.a.) $256	Continue Compare
BUSSQ Premium Choice - International (Emerging Markets) Shares Industry fundHigher risk	Last 1 year performance (p.a.) +8.96%	Last 3 year performance (p.a.) +1.61%	Last 5 year performance (p.a.) +3.46%	Last 10 year performance (p.a.) +4.74%	Fees on $50k balance (p.a.) $706	Continue Compare
BUSSQ Premium Choice - Defensive Industry fund	Last 1 year performance (p.a.) +4.74%	Last 3 year performance (p.a.) +2.19%	Last 5 year performance (p.a.) +2.94%	Last 10 year performance (p.a.) +4.26%	Fees on $50k balance (p.a.) $471	Continue Compare

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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 December 2024

What are the key features of BUSSQ?

• Industry super fund. BUSSQ is an industry super fund. It began as a fund for the Queensland building and construction sector; however, anyone is now free to join.
• Investment choices. Choose between some pre-mixed investment portfolios, individual asset class options or the default MySuper portfolio.
• MySuper investment option. The Balanced Growth option is the default MySuper option for members who don't wish to choose their own investment option. It's designed to suit most members.
• Default insurance cover. Eligible members receive automatic death and total permanent disablement (TPD) cover.
• Consolidate your super online. You can opt to consolidate your existing super into your new account when joining or any time after you've joined by logging into your online portal.

BUSSQ investment options explained

BUSSQ offers three types of investment options for you to choose from: MySuper, pre-mixed portfolios and asset class options. If you don't want to choose an option, your super will be invested in the Balanced Growth investment option which is a MySuper-authorised fund.

Pre-mixed investment options

The pre-mixed portfolios each invest in a range of different asset classes. Some have a higher allocation towards growth assets (like shares and property) and therefore a higher risk level.

*Asset allocation between growth and defensive assets are a rough guide as of September 2021, and may shift slightly from time to time.

Single-sector investment options

These options are single asset class portfolios. You decide how much you want to invest in each of the options listed below.

• All Shares
• Australian Shares
• Australian Shares (Small companies)
• Cash
• Diversified Fixed Interest
• International Shares
• International Shares (Emerging Markets)

What insurance does BUSSQ Super offer?

Members can access the following types of insurance cover automatically when joining:

• Total and permanent disablement cover. This type of cover provides a lump sum payment if you become totally and permanently disabled and can no longer work.
• Death cover. This policy provides a lump sum payment when you die, allowing you to provide for your loved ones and help them repay debts.

You can cancel, increase or adjust your insurance cover at any time.

How do I join BUSSQ Super?

You can complete an online application in around 15 minutes. You'll need to provide:

• Your personal details, including your name, address, date of birth and contact information
• Your Tax File Number (you do not have to give your super fund your TFN but if your fund doesn't have your TFN it won't be able to accept certain types of contributions from you and your benefit payments may be taxed at a higher rate than would otherwise apply)
• Details of your employer (if you'd like you'd like your super guarantee payments to be added to you new account).

Once you've completed the application you will receive your member number and a confirmation email with the details of your account.

Written by

Shirley Liu

Publisher

Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs. See full bio