UniSuper accumulation products — results are in
Every year we’re required to assess the performance of our accumulation products, to ensure they continue to promote the financial interests of our members. After assessment for the year that ended 30 June 2024, we found that they do promote our members’ financial interests.1
The accumulation products included in this assessment are Accumulation 1, Accumulation 2, and Personal Account products, as well as the accumulation component of our Defined Benefit Division product.
How we shaped up
Our accumulation products have passed the Member Outcomes Assessment and we've determined that they promote our members’ financial interests.
We assessed two key areas of our accumulation products, as prescribed by law:
- How we compare on fees and returns (Comparison matters)
- Other member benefits (Assessment factors).
Strong long-term returns
UniSuper’s Balanced investment option was a strong performer. It outperformed the industry median over the one, three, five and seven years to 30 June 2024 — based on data sourced from superannuation research and ratings house SuperRatings.*
Here's how our other options performed. *
7-year investment return

This graph shows UniSuper's 7-year investment performance vs the SuperRatings median.*
Source: SuperRatings Pty Ltd Fund Crediting Rate Survey and Sustainable Investment Survey June 2024, published 19 July 2024, for the appropriate index.
5-year investment return

This graph shows UniSuper's 5-year investment performance vs the SuperRatings median.*
Source: SuperRatings Pty Ltd Fund Crediting Rate Survey and Sustainable Investment Survey June 2024, published 19 July 2024, for the appropriate index.
3-year investment return

This graph shows UniSuper's 3-year investment performance vs the SuperRatings median.*
Source: SuperRatings Pty Ltd Fund Crediting Rate Survey and Sustainable Investment Survey June 2024, published 19 July 2024, for the appropriate index.
1-year investment return

This graph shows UniSuper's 1-year investment performance vs the SuperRatings median.*
Source: SuperRatings Pty Ltd Fund Crediting Rate Survey and Sustainable Investment Survey June 2024, published 19 July 2024, for the appropriate index.
Competitive fees^
Fees for our accumulation products and investment options below were amongst the lowest in the industry — as reported by superannuation research and ratings house Chant West.2
UniSuper's Balanced investment option ranked third for lowest fees and costs on $50k, $100k and $250k balances, in a peer group comparison of 67 super funds. Source: Chant West Super Fund Fee Survey June 2024.^
Fees on $50,000 balance
This graph shows UniSuper's annual fees and costs compared to the industry average for a $50,000 balance.*
Source: Chant West Super Fund Fee Survey June 2024.
Fees on $100,000 balance
This graph shows UniSuper's annual fees and costs compared to the industry average for a $100,000 balance.*
Source: Chant West Super Fund Fee Survey June 2024.
Fees on $250,000 balance
This graph shows UniSuper's annual fees and costs compared to the industry average for a $250,000 balance.*
Source: Chant West Super Fund Fee Survey June 2024.
Join an award-winning fund
We’re known as one of Australia’s best super funds for our record of strong long-term investment performance.* We’re proud to be consistently recognised as an award winning fund. 6
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Things you need to know
1 Compare UniSuper with other super funds.
2 While this assessment includes our investment options mentioned on this page, we offer other investment options that have not been included due to limited availability of comparison data. More information on our full range of investment options and performance is available on our investment performance webpage.
3 Although, under 'Investment returns and fees', we were able to compare only some of our investment options with others in the industry because of data limitations, this section applies to all of our investment options.
4 4th largest fund by total assets under management as of 30 June 2024. Source: APRA Annual Fund-Level Superannuation Statistics.
5 Sustainable and environmental investing means different things to different people. Different products have different investment criteria. Read our How we invest your money document (PDF, 1.27 MB) to find out what sustainable and environmental investing means to us and what our investment options invest in. Different products have different approaches. The Responsible Investment Certification Program provides general advice only and does not take into account any person’s objectives, financial situation, or needs. Neither the Certification Symbol nor RIAA recommends to any person that any financial product is a suitable investment or that returns are guaranteed. Because of this, you should consider your own objectives, financial situation and needs and also consider the terms of any product disclosure document before making an investment decision. Certifications are current for 24 months and subject to change at any time.
6 Money magazine Best Pension Fund 2023, 2024, and 2025. Canstar Outstanding Value Superannuation 2022, 2023 and 2024. SuperRatings’ 2025 Retirement Offering of the Year and 2024 Fund of the Year.
The rating is issued by SuperRatings Pty Ltd 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.
* Past performance is not an indicator of future performance.
Consider the Product Disclosure Statements (PDS) and Target Market Determinations (TMD) on our website and your circumstances before making decisions, because we haven't.UniSuper investment option UniSuper fee ranking for $50,000 balance UniSuper fee ranking for $100,000 balance UniSuper fee ranking for $250,000 balance Rank Our Fees Industry average Rank Our Fees Industry average Rank Our Fees Industry average High Growth 6 (out of 35) $411 $712 6 (out of 35) $726 $1,249 5 (out of 35) $1,671 $2,881 Growth 8 (out of 59) $426 $636 8 (out of 59) $756 $1,129 8 (out of 59) $1,746 $2,618 Balanced 3 (out of 67) $356 $620 3 (out of 67) $606 $1,108 3 (out of 67) $1,371 $2,580 Conservative Balanced 3 (out of 56) $366 $597 2 (out of 56) $636 $1,053 2 (out of 56) $1,446 $2,442 Conservative 11 (out of 67) $366 $535 11 (out of 67) $636 $938 11 (out of 67) $1,446 $2,153 Fees and Costs, Accumulation Products | Source: Chant West Super Fund Fee Survey June 2024, and UniSuper calculations. Chant West
Zenith CW Pty Ltd ABN 20 639 121 403, AFSL 226872/AFS Rep No. 1280401. Third-party data does not contain all information required to evaluate the nominated service providers. To the extent that any Information provided is advice, it is limited to General Advice only and has been prepared without considering the objectives or financial situation of any individual, including target markets where applicable. It is not a recommendation to purchase, sell or hold any product and is subject to change at any time without notice. Individuals should seek independent advice and consider the PDS or offer document before making any investment decisions. Data is provided in good faith and is believed to be accurate, however, no representation, warranty or undertaking is provided in relation to the accuracy or completeness of the data. Data is subject to copyright and may not be reproduced, modified or distributed without the consent of the copyright owner. Except for any liability which cannot be excluded, Chant West does not accept any liability whether direct or indirect, arising from use of the data. Past performance is not an indication of future performance. Refer to www.chantwest.com.au for full details on Chant West’s research methodology, processes and FSG.