Choosing the right super fund for you usually means finding a fund that suits your current and future needs. You’ll typically look for:
- strong long-term performance and low fees
- investment options that suit your needs
- member services, insurance options and financial advice
Understanding your net outcome to help you compare your super#
This table compares the net outcomes of UniSuper’s default Balanced (MySuper) investment option and the median net outcomes of comparable options for ‘retail master’ funds and the ‘industry’ overall.
On this basis a UniSuper member invested in UniSuper’s Balanced option would be $24,247 better off over 15 years than the industry median, and $47,698 better off than the retail master trust median.
| Net outcome 1 Yr |
Net outcome 3 Yr |
Net outcome 5 Yr |
Net outcome 7 Yr |
Net outcome 10 Yr |
Net outcome 15 Yr |
|
|---|---|---|---|---|---|---|
| UniSuper’s Balanced investment option | $4,700 | $9,077 | $22,172 | $40,904 | $76,158 | $179,392 |
| Retail Master Trust Median | $4,800 | $7,680 | $18,870 | $33,163 | $60,309 | $131,694 |
| Median | $4,630 | $8,441 | $20,667 | $35,700 | $65,141 | $155,145 |
Net outcome refers to investment earnings to 30 June 2024 (less administration and investment fees and costs)
Source: SuperRatings Net Benefit report for 30 June 2024, data extracted 20 December 2024.
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Important information about Net outcome
#Source: SuperRatings Net Benefit report for 30 June 2024, data extracted on 20 December 2024. This table compares the net outcome of UniSuper's default Balanced (MySuper) investment option and the other funds' balanced options with a similar risk profile. It assumes employer contributions on a starting balance of $50,000 and annual salary of $50,000 and takes into account historical investment earnings (after administration and investment fees and taxes). Net outcome refers to investment earnings to 30 June 2024 (less administration and investment fees and costs). Past performance is not an indicator of future performance.
The SuperRatings net benefit calculation assumes the following:
- a starting super balance of $50,000
- an annual starting salary of $50,000
- salary growing at 3.5% p.a at the end of each year
- applying effective annual returns at end of each financial year
- after-tax quarterly SG contributions made at the end of each calendar quarter, and is based on actual SG contribution rates of the relevant year
- contribution tax of 15%
- fees and investment returns determined annually based on data from product disclosure statements.
The assumption does not consider any additional salary sacrifice or voluntary contributions, nor the cost of insurance premiums.
Comparing performance
There are a few ways to find how a fund performs.
Look at long-term results
By looking at results over a five to ten-year period, you can get a sense of how consistent a fund is with their returns.*
Determine risks and returns
Higher risk investment options generally provide higher investment returns over the long term but may not be suitable for everyone.
Compare apples with apples
Always compare your preferred investment option with similar options.
Comparing fees
Fees and costs can make a big difference to your retirement outcome over time. When you’re comparing, see how much you’ll pay for administration fees, insurance, your preferred investment options, and account-based fees, such as switching or withdrawal fees.
You may also be paying for how a fund manages your super. We keep our fees low by managing over 70% of our investments in-house and ensuring profits stay with members, rather than shareholders.
Compare us with other Australian superannuation funds
Discover how a superannuation fund invests
Understanding how a fund invests can help assure you your super’s in good hands. By managing over 70% of funds in-house, we’re able to deliver long term returns and keep our fees low.5 But that’s not the only way we make investing better for members.
Accessibility
Prefer a less active approach to managing your investments? Pick one of our
Flexibility
If you’re a more hands-on investor, you can build your own portfolio. Choose from our diverse selection of Sector investment options.
Environmental, social and governance6
We consider key environmental, social and governance factors across our major investments. We also offer members two sustainable branded investment options and an environmental branded option.
Get the UniSuper app
Manage your account from wherever you are 24/7. Check your estimated balance, review your investment options, keep up with recent transactions and more.
We’re known as one of Australia’s most awarded super funds
Money magazine's
Best Pension Fund 2025
Money magazine's
Best ESG Super Product 2025
Canstar’s Outstanding Value Award – Superannuation 2022-2024
Canstar’s Outstanding Value Award – Account Based Pension 2024
Chant West Super Fund of the Year 20237
SuperRatings Retirement Offering of the Year 2025 and Fund of the Year 2024 9
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Things you need to know
This information is of a general nature only and does not take into account your individual objectives, financial situation or needs. You should read the product disclosure statement and booklets relevant to your membership category, consider the appropriateness of the information having regard to your personal circumstances and consider consulting a licensed financial adviser before making an investment decision based on information contained here.
1Additional fees may apply. If your account is invested in investment options other than the Balanced investment option, the investment fees and costs and transaction costs will be different to those above. Refer to ‘Additional explanation of fees and costs’ in the product disclosure statement of your relevant product.
2The calculated amounts do not include contributions that may be made during the year.
3The costs component of investment fees and costs and the transaction costs are based on the costs for the year ended 30 June 2024, including several components which are estimates. Costs are subject to change and amounts for prior years are not necessarily reliable indicators of amounts for future years. The costs component of investment fees and costs and the transaction costs you'll be charged in subsequent financial years will vary and depends on the actual costs incurred by the Trustee in managing the investment option. Investment fees and costs includes an amount of 0.03% for performance fees. The calculation basis for this amount is set out in the product disclosure statement.
4The investment fees and costs and transaction costs for other investment options are set out in the Fees and costs document. They are calculated on the same basis and paid at the same frequency and in the same manner as the Balanced investment option.
5Past performance is not an indicator of future performance. Consider the PDS and TMD on our website and your circumstances before making decisions, because we haven’t. Read the full disclaimer.
6Sustainability and environmental investing mean different things to different people. Different products have different investment criteria. Read our website and PDS to find out what sustainable and environmental investing means to us and what our products invest in.
7Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872/AFS Rep No. 1280401 Chant West Awards issued 17 May 2023 are solely statements of opinion and not a recommendation in relation to making any investment decisions. Awards are current for 12 months and subject to change at any time. Awards for previous years are for historical purposes only. Full details on Chant West Awards at https://www.chantwest.com.au/fund-awards/about-the-awards.
8Before combining your super, consider the possible effects this might have on things like the fees you pay, the conditions of your insurance (including whether you can transition your insurance in your other fund to UniSuper) and the tax on your super. There could be other effects too, so it’s best to seek financial advice if you’re unsure.
9The rating is issued by SuperRatings Pty Ltd (SuperRatings) ABN 95 100 192 283 (SuperRatings) a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, AFSL No. 421445. Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings use proprietary criteria to determine awards and ratings and may receive a fee for the use of its ratings and awards. Visit superratings.com.au for ratings information. © 2024 SuperRatings. All rights reserved.