Australian superannuation funds

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 of 2024, the money held in Australian super funds totalled $3.9 trillion, according to the ASFA (Association of Superannuation Funds of Australia).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 4 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

List of superannuation funds

Use our comparison table to compare super funds based on performance, fees and insurance options.

• Disclaimer

  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

  , according to Chant West. 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 Chant West. 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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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.)
Hostplus Australian Shares Industry fundHigher risk	Last 1 year performance (p.a.) +11.58%	Last 3 year performance (p.a.) +6.97%	Last 5 year performance (p.a.) +8.5%	Last 10 year performance (p.a.) +9.3%	Fees on $50k balance (p.a.) $350	Go to siteMore info Compare	This is a high-risk, high-growth investment option that invests entirely in Australian shares and aims for strong returns over the long term.
Australian Ethical Super - High Growth Green Company EthicalHigher risk	Last 1 year performance (p.a.) +15.37%	Last 3 year performance (p.a.) +4.84%	Last 5 year performance (p.a.) +8.44%	Last 10 year performance (p.a.) +8.52%	Fees on $50k balance (p.a.) $728	Go to siteMore info Compare	This is a high-risk, high-growth option that invests in Australian and international shares, property and alternatives to provide long term growth.
Vanguard Super SaveSmart - High Growth Higher risk	Last 1 year performance (p.a.) +16.32%	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $270	Go to siteMore info Compare	This is a high-risk, high-growth option that invests in a range of different asset classes, with a strong focus on Australian and international shares.
UniSuper - High Growth Best Rated Brand Industry fundHigher risk	Last 1 year performance (p.a.) +16.34%	Last 3 year performance (p.a.) +6.2%	Last 5 year performance (p.a.) +9.09%	Last 10 year performance (p.a.) +10.04%	Fees on $50k balance (p.a.) $451	Go to siteMore info Compare	This fund targets high growth over a long term horizon by investing in higher growth, higher risk assets such as Australian and international shares.
Aware Super Future Saver - MySuper Lifecycle High Growth Industry fundLifestageHigher risk	Last 1 year performance (p.a.) +14.16%	Last 3 year performance (p.a.) +5.84%	Last 5 year performance (p.a.) +8.4%	Last 10 year performance (p.a.) +8.98%	Fees on $50k balance (p.a.) $457	Go to siteMore info Compare	A lifecycle super fund weighted heavily towards high growth assets, targeted to people 55 and under.
Virgin Money Super - LifeStage Tracker Lifestage	Last 1 year performance (p.a.) +15.61%	Last 3 year performance (p.a.) +6.76%	Last 5 year performance (p.a.) +8.11%	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $363	Go to siteMore info Compare
Spaceship - GrowthX Higher risk	Last 1 year performance (p.a.) +25.13%	Last 3 year performance (p.a.) +8.87%	Last 5 year performance (p.a.) +11.83%	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $572	Go to siteMore info Compare
Superhero Super - High Growth Higher risk	Last 1 year performance (p.a.) +15.31%	Last 3 year performance (p.a.) +7.22%	Last 5 year performance (p.a.) +8.69%	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $397	Go to siteMore info Compare
Australian Ethical Super Australian Shares Green Company EthicalHigher risk	Last 1 year performance (p.a.) +15.13%	Last 3 year performance (p.a.) +2.44%	Last 5 year performance (p.a.) +7.98%	Last 10 year performance (p.a.) +10.1%	Fees on $50k balance (p.a.) $778	Go to siteMore info Compare
Hostplus Indexed Balanced Industry fund	Last 1 year performance (p.a.) +14.22%	Last 3 year performance (p.a.) +6.59%	Last 5 year performance (p.a.) +7.63%	Last 10 year performance (p.a.) +7.75%	Fees on $50k balance (p.a.) $135	Go to siteMore info Compare
UniSuper - Sustainable High Growth Finder Award Best Rated Brand Industry fundEthicalHigher risk	Last 1 year performance (p.a.) +19.04%	Last 3 year performance (p.a.) +5.14%	Last 5 year performance (p.a.) +9.23%	Last 10 year performance (p.a.) +9.81%	Fees on $50k balance (p.a.) $326	Go to siteMore info Compare
Vanguard Super SaveSmart - International Shares Higher risk	Last 1 year performance (p.a.) +28.23%	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $280	Go to siteMore info Compare
Australian Ethical Super International Shares Green Company EthicalHigher risk	Last 1 year performance (p.a.) +25.24%	Last 3 year performance (p.a.) +9.27%	Last 5 year performance (p.a.) +11.38%	Last 10 year performance (p.a.) +10.35%	Fees on $50k balance (p.a.) $648	Go to siteMore info Compare
Virgin Money Super Indexed Overseas Shares Indexed investmentHigher risk	Last 1 year performance (p.a.) +29.11%	Last 3 year performance (p.a.) +11.73%	Last 5 year performance (p.a.) +13.36%	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $385	Go to siteMore info Compare
Aware Super Balanced Industry fund	Last 1 year performance (p.a.) +12.36%	Last 3 year performance (p.a.) +5.18%	Last 5 year performance (p.a.) +7%	Last 10 year performance (p.a.) +7.66%	Fees on $50k balance (p.a.) $422	Go to siteMore info Compare
Hostplus International Shares Industry fundHigher risk	Last 1 year performance (p.a.) +20.98%	Last 3 year performance (p.a.) +5.98%	Last 5 year performance (p.a.) +8.97%	Last 10 year performance (p.a.) +9.92%	Fees on $50k balance (p.a.) $385	Go to siteMore info Compare

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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 December 2024

Frequently asked questions

• How does super work?

  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.

• What is the super guarantee?

  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 11.50% of your annual income.