NGS Super: Performance, investments and fees

NGS Super is an industry fund for members working in non-government education and community organisations. It has 7 different investment portfolios to choose between, including an ethical option.

Our verdict

Looking into NGS Super Funds? It's a great pick for those who lean towards ethical investing and value for money. Whether you're just kicking off your super journey or thinking of switching, NGS has a variety of options to suit different stages and preferences. Their focus on community and inclusivity, alongside a solid range of investment choices, including an ethical option, makes them stand out. Dive into the details to see if it clicks with you.

Choosing a super is personal – what's right for one might not suit another. It's all about finding what feels right for your future.


1 - 10 of 10
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.)
NGS Super - Indexed Growth
NGS super logo
Industry fund
Last 1 year performance (p.a.)
+13.48%
Last 3 year performance (p.a.)
+5.41%
Last 5 year performance (p.a.)
+6.69%
Last 10 year performance (p.a.)
+7.27%
Fees on $50k balance (p.a.)
$140
NGSS Defensive
NGS super logo
Industry fund
Last 1 year performance (p.a.)
+6.2%
Last 3 year performance (p.a.)
+3.07%
Last 5 year performance (p.a.)
+3.71%
Last 10 year performance (p.a.)
+4.78%
Fees on $50k balance (p.a.)
$450
More Info
NGSS Diversified
NGS super logo
Industry fund
Last 1 year performance (p.a.)
+10.64%
Last 3 year performance (p.a.)
+4.64%
Last 5 year performance (p.a.)
+6.14%
Last 10 year performance (p.a.)
+7.05%
Fees on $50k balance (p.a.)
$560
More Info
NGSS Int'l Shares
NGS super logo
Industry fundHigher risk
Last 1 year performance (p.a.)
+23.22%
Last 3 year performance (p.a.)
+6.34%
Last 5 year performance (p.a.)
+9.23%
Last 10 year performance (p.a.)
+10.01%
Fees on $50k balance (p.a.)
$385
More Info
NGSS Aust Shares
NGS super logo
Industry fundHigher risk
Last 1 year performance (p.a.)
+12.24%
Last 3 year performance (p.a.)
+7.13%
Last 5 year performance (p.a.)
+8.15%
Last 10 year performance (p.a.)
+8.34%
Fees on $50k balance (p.a.)
$375
More Info
NGSS Balanced
NGS super logo
Industry fund
Last 1 year performance (p.a.)
+7.94%
Last 3 year performance (p.a.)
+3.88%
Last 5 year performance (p.a.)
+4.83%
Last 10 year performance (p.a.)
+5.75%
Fees on $50k balance (p.a.)
$460
More Info
NGSS Property
NGS super logo
Industry fundHigher risk
Last 1 year performance (p.a.)
+7.43%
Last 3 year performance (p.a.)
+5.4%
Last 5 year performance (p.a.)
+4.92%
Last 10 year performance (p.a.)
+6.3%
Fees on $50k balance (p.a.)
$430
More Info
NGSS High Growth
NGS super logo
Industry fundHigher risk
Last 1 year performance (p.a.)
+12.19%
Last 3 year performance (p.a.)
+4.6%
Last 5 year performance (p.a.)
+6.76%
Last 10 year performance (p.a.)
+7.74%
Fees on $50k balance (p.a.)
$595
More Info
NGSS Diversified Bonds
NGS super logo
Industry fund
Last 1 year performance (p.a.)
+1.85%
Last 3 year performance (p.a.)
-0.97%
Last 5 year performance (p.a.)
+0.25%
Last 10 year performance (p.a.)
+1.48%
Fees on $50k balance (p.a.)
$400
More Info
NGS Super - Cash & Term Deposits
NGS super logo
Industry fund
Last 1 year performance (p.a.)
+4.26%
Last 3 year performance (p.a.)
+3.02%
Last 5 year performance (p.a.)
+2%
Last 10 year performance (p.a.)
+2.01%
Fees on $50k balance (p.a.)
$130
loading
Showing 10 of 10 results

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

Key features of NGS Super

  • Designed for the community. NGS Super is an industry fund for those working in non-government education and community organisations, however it is now open to everyone to join.
  • More than 100,000 members. NGS super has more than 100,000 members across Australia.
  • Default insurance options. Eligible members will get default insurance cover when joining the fund with no medical exams.
  • MySuper product. The NGS Super Diversified (MySuper) investment option is the default option for all members when joining the fund, unless you choose otherwise.
  • Pre-mixed investment options. Members can choose between a range of 6 additional pre-mixed investment options that each have a different risk level and asset allocation.
  • Ethical option. One of the pre-mixed investment options, NGS Super Socially Responsible Diversified, has an ethical investment focus.

NGS Super pre-mixed investment options

Members can choose between these 7 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 Diversified (MySuper) option, which is the default MySuper investment product designed to suit most members.

Investment optionRisk levelTarget asset allocation
Defensive

Your money is invested in more defensive asset classes such as fixed interest and cash. Shares and infrastructure also remain in the picture, albeit in small manner. With this option, you'd be looking at low to medium risk over a period of five years, which would increase to low risk for 10 years.

Medium
  • Growth: 39%
  • Defensive: 61%
Diversified (MySuper)

This is the default investment option designed to suit most members. It's where you'll be invested if you don't make an investment preference. It has a focus on growth over the medium to long term.

High
  • Growth: 71%
  • Defensive: 29%
Balanced

This option sits somewhere in the middle - it aims to provide a balanced exposure to defensive and growth asset classes.

Medium to High
  • Growth: 53%
  • Defensive: 47%
Socially Responsible Diversified

This option has a similar allocation to growth and defensive assets as the default Diversified MySuper option and therefore the same risk level. However, this option considers investments that focus on managing sustainability and environmental, social, and governance (ESG) risks.

High
  • Growth: 70%
  • Defensive: 30%
Indexed Growth

This option provides more allocation to growth assets than the previous options, and may suit members looking for more exposure to shares. It's designed for members with a longer investment timeframe of at least 10 years, or members with a higher risk tolerance. It uses indexed investments and aims to have lower investment costs thanks to passive strategies.

High
  • Growth: 76%
  • Defensive: 24%
High Growth

This option invests more than 80% in growth assets, with more than 60% of your balance invested in Australian and international shares. It's aims to achieve higher returns over the long term, and is designed for members seeking higher long-term growth.

High
  • Growth: 85%
  • Defensive: 15%

Sector investment options

If you want more control over super, you can put together your own investment mix using one or more of the following individual sector options.

  • Australian Shares
  • International Shares
  • Infrastructure
  • Cash and Term Deposits
  • Property
  • Diversified Bonds

NGS Super default insurance cover

Eligible members will receive the following default insurance cover when joining:

  • Death: This cover provides a lump sum payment to your nominated beneficiaries in the event of your death.
  • Total and Permanent Disablement (TPD): This cover provides a lump sum payment to you in the event that you become permanently disabled.
  • Income Protection: This cover is paid out in the even you can't work and lose your income.

You'll get a default, basic 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.


Alison Banney

🔥 Quick tip when considering your super investment options

Alison Banney, superannuation editor

"You don't need to choose an investment option when you join a new fund if you don't want to. The default options are designed to suit most people, and many are among the top-performing funds each year. IF you do want to change your super investment option later, you can do this easily by logging in to your account online or via


How to join NGS Super

You can join online by completing the application form on the NGS Super website. The application form should take you around 10-20 minutes to complete, and you'll need to provide the following bits of information:

  • Your full name, date of birth and contact information
  • Your Australian residential address
  • Your phone number and email address
  • Your tax file number (TFN)
  • Your chosen investment option (if you want to invest in something other than the Balanced option) and insurance cover
  • Details of your existing super fund if you'd like to consolidate your super

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.

Shubham Pandey's headshot
To make sure you get accurate and helpful information, this guide has been reviewed by Shubham Pandey, a member of Finder's Editorial Review Board.
Alison Banney's headshot
Written by

Editorial Manager, Money

Alison is an editor at Finder and a personal finance journalist with over 10 years of experience, having contributed to major financial institutions and publications such as Westpac, Money Magazine, and Yahoo Finance. She is frequently quoted in media outlets like SmartCompany and SBS, offering expert insights on superannuation and money management. Alison holds a Bachelor of Communications in Public Relations and Journalism from the University of Newcastle, and has earned three ASIC RG146 certifications in superannuation, securities and managed investments and general financial advice, ensuring her expertise is fully aligned with ASIC standards. See full bio

Alison's expertise
Alison has written 638 Finder guides across topics including:
  • Superannuation
  • Savings accounts, bank accounts and term deposits
  • Budgeting and money-saving hacks
  • Managing the cost of living

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

  • Vanguard Super: Performance, features and fees

    With Vanguard Super you are automatically invested in the Lifecycle option, which adjusts your investments as you age. You can also mix and match your investments from several other options.

  • Rest superannuation | Performance, features and fees

    Rest Super is a low fee, profit to member fund with a range of investment options. Find out the performance and fees in our full review.

  • Super on paid parental leave

    Going on parental leave will impact your super. Here are the rules for super on parental leave and how to look after your super balance while you're off work.

  • Benefits of superannuation

    Superannuation has many benefits. It’ll help fund your retirement, but it also offers tax discounts, investment benefits and discounted insurance cover, too.

  • Conservative super funds

    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.

  • Australian Retirement Trust vs HESTA

    We've compared the fees, investment options and performance for both Australian Retirement Trust and HESTA to help you choose between these two popular super funds.

  • Super co-contribution: What is the government co-contribution?

    Find out if you're eligible for the government's co-contribution scheme, potentially receiving up to $500 for making personal after-tax contributions.

  • Superannuation beneficiary rules

    Steps to choose a beneficiary for your superannuation fund proceeds in the event of your death.

  • Early release of super

    Explore the intricacies of the early release of super, including eligibility criteria and application steps. This guide provides essential insights for accessing your superannuation funds prior to retirement.

  • Superannuation for sole traders and self-employed

    Self-employed super contributions are a great way to boost your retirement savings, but there are some rules. See rules for contributions and compare super funds if you're self employed.

Go to site