TelstraSuper Review | Performance, features and fees

TelstraSuper investment options

You'll automatically be invested in the MySuper option when you join TelstraSuper. This is a lifestage option that invests according to your age. After joining the fund, you can switch to another investment option at any time.

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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.)
TelstraSuper Corp Plus - Growth Industry fundHigher risk	Last 1 year performance (p.a.) +9%	Last 3 year performance (p.a.) +6.66%	Last 5 year performance (p.a.) +7.7%	Last 10 year performance (p.a.) +8.07%	Fees on $50k balance (p.a.) $602	More Info Compare
TelstraSuper Corp Plus - Balanced Industry fund	Last 1 year performance (p.a.) +6.98%	Last 3 year performance (p.a.) +5.74%	Last 5 year performance (p.a.) +6.41%	Last 10 year performance (p.a.) +7.01%	Fees on $50k balance (p.a.) $582	More Info Compare
TelstraSuper Corp Plus - Conservative Industry fund	Last 1 year performance (p.a.) +3.52%	Last 3 year performance (p.a.) +3.27%	Last 5 year performance (p.a.) +3.8%	Last 10 year performance (p.a.) +4.87%	Fees on $50k balance (p.a.) $467	More Info Compare
TelstraSuper Corp Plus - Property Industry fundHigher risk	Last 1 year performance (p.a.) -7.63%	Last 3 year performance (p.a.) +4.72%	Last 5 year performance (p.a.) +5.04%	Last 10 year performance (p.a.) +8.27%	Fees on $50k balance (p.a.) $927	More Info Compare
TelstraSuper Corp Plus - Australian Shares Industry fundHigher risk	Last 1 year performance (p.a.) +10.24%	Last 3 year performance (p.a.) +7.71%	Last 5 year performance (p.a.) +8.62%	Last 10 year performance (p.a.) +7.82%	Fees on $50k balance (p.a.) $332	More Info Compare
TelstraSuper Corp Plus - International Shares Industry fundHigher risk	Last 1 year performance (p.a.) +16.89%	Last 3 year performance (p.a.) +7.23%	Last 5 year performance (p.a.) +8.78%	Last 10 year performance (p.a.) +9.41%	Fees on $50k balance (p.a.) $377	More Info Compare
TelstraSuper - MySuper Moderate Industry fund	Last 1 year performance (p.a.) +5.75%	Last 3 year performance (p.a.) +4.91%	Last 5 year performance (p.a.) +5.27%	Last 10 year performance (p.a.) +6.45%	Fees on $50k balance (p.a.) $502	Compare
TelstraSuper Corp Plus - Cash Industry fund	Last 1 year performance (p.a.) +3.97%	Last 3 year performance (p.a.) +2.09%	Last 5 year performance (p.a.) +1.6%	Last 10 year performance (p.a.) +1.83%	Fees on $50k balance (p.a.) $212	Compare
TelstraSuper Corp Plus - Diversified Bonds and Credit Industry fund	Last 1 year performance (p.a.) +2.02%	Last 3 year performance (p.a.) -1.49%	Last 5 year performance (p.a.) +0.12%	Last 10 year performance (p.a.) +1.97%	Fees on $50k balance (p.a.) $357	Compare
TelstraSuper Corp Plus - Moderate Industry fund	Last 1 year performance (p.a.) +5.75%	Last 3 year performance (p.a.) +4.91%	Last 5 year performance (p.a.) +5.27%	Last 10 year performance (p.a.) +6.45%	Fees on $50k balance (p.a.) $502	Compare

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Unless indicated otherwise, the information in the 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.

*Past performance data and fee data is for the period ending Apr 2024

What are the key features of TelstraSuper?

• Open to everyone. TelstraSuper is open to everyone, you don't need to work in a particular industry to join. The fund has been operating for more than 30 years.
• Profit-to-member super fund. TelstraSuper is run to benefit members.
• Range of investment options. TelstraSuper offers a range of investment options so you can choose how your super is invested line with your risk tolerance and investing preference.
• Lifestage MySuper option. The default MySuper option is a lifestage option which invests your balance into a mix of asset classes based on your age. As you get older, your investment mix will change to suit your new stage of life.
• Sustainable investment. TelstraSuper's approach to sustainable investment follows the guidelines of the UN Principles for Responsible Investing (PRI) and incorporates analysis of environmental, social and governance (ESG) factors in all investment decision making.
• Dedicated guidance specialists. These specialists can guide and assist with general information for super and retirement planning and help with online calculators and forms at no additional cost.
• Inhouse member services team. Experts in superannuation who know the fund, answer your questions, and provide ongoing support.
• Insurance cover. Death and total permanent disablement (TPD) and income protection cover is accessible for eligible members.
• Easy online access. You can access your account via the website or mobile app to see latest transactions, account balances and investment updates. Plus see digital tools designed to estimate how much you will have when you retire and how long it will last.
• Personal financial advice. Access to affordable personal advice is available from TelstraSuper Financial Planning, offering a range of in-house financial planning options (fees apply).
• Different retirement income options available. With the flexibility to choose how much and how often you receive it so you can take what you want when you need it in retirement.

TelstraSuper investment options explained

TelstraSuper offers 3 types of investment options for you to choose from: Lifestage (MySuper), pre-mixed or single-sector options. If you don't want to choose an option, your super will be invested in the MySuper lifestage investment option.

Pre-mixed investment options

TelstraSuper Pre-mixed options are diversified portfolios that invest in a mix of different asset classes including shares, property, fixed interest and cash. They're designed for investors who only want a minimal amount of hands-on involvement with their super.

*Asset allocation between growth and defensive assets correct as of September 2022, but may shift slightly within the asset allocation guidelines for the option from time to time.

Single-sector options

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

• Australian Shares
• International Shares
• Property
• Fixed Interest
• Cash

What insurance does TelstraSuper offer?

As part of being a member of TelstraSuper, you can access the following types of insurance cover through your super:

• Income protection cover. This pays a benefit if you're unable to work due to illness or injury.
• 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.

How do I join TelstraSuper?

You can join TelstraSuper via the website where you can complete an online application. 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).

If you'd like to roll over any super you have with another super fund into your new TelstraSuper fund you can fill out your account details after joining, and TelstraSuper will bring your existing super over for you.

Once you've completed the application you'll receive your member number straight away and will be able to login to your online account immediately. You can also notify your employer right away. Your account and any insurance you have chosen will also become active once this first contribution has been received.

Written by

Alison Banney

Alison Banney is the money editorial manager at Finder. She covers all areas of personal finance, and her areas of expertise are superannuation, banking and saving. She has written about finance for 10 years, having previously worked at Westpac and written for several other major banks and super funds. See full profile

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