Long-term returns that outperform
Our Balanced option outperformed the industry median of 7.07% p.a. with a return of 7.93% p.a. over 10 years to July 2024.1
Lower fees, greater super
Low fees and strong long-term performance for a better tomorrow.
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 outcomes | |||
|---|---|---|---|
| Over 3 yrs | Over 10 yrs | Over 15 yrs | |
| UniSuper | $9,077 | $76,158 | $179,392 |
| Retail Master Trust median | $7,680 | $60,309 | $131,694 |
| Median | $8,441 | $65,141 | $155,145 |
Net outcomes help you compare how much super balances increase over times, after fees and other charges are taken out.#
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More info about net outcomes #
# 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.
- 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.
Multi-award-winning super
Our reputation is built on 40 years of experience. We’re recognised as one of Australia’s best performing super funds for the long term, with a record of strong returns across a range of investment options.*
We’re proud to be Money magazine’s Best Pension Fund for 2023, 2024 and 2025, and for the fourth year running, Best Shares ESG Superannuation Product. We’re also the winners of Canstar’s Most Satisfied Customers Award in 2023, and their Outstanding Value Award in 2022, 2023 and 2024.4
*Past performance is not an indicator of future performance.
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Invest for tomorrow with three sustainable and environmental branded options certified by the Responsible Investment Association of Australasia (RIAA).5
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Important things you need to know
1 Past performance is not an indicator of future performance. Option returns are calculated net of investment expenses and taxes but are gross of account-based fees. The median return data is based on SuperRatings Pty Ltd’s Fund Crediting Rate Survey July 2024, Balanced (60-76) Universe, published 20 August 2024 (without taking into account any subsequent revisions).
2 Source: © Zenith CW Pty Ltd (Chant West) (ABN 20 639 121 403) 2024. Chant West Super Fund Fee Survey September 2024 comparing administration and investment fees and costs of 68 Balanced investment options as ranked in Chant West’s Growth risk category (61-80% growth assets), and UniSuper calculations. Fees may change in the future, which may affect the outcome of the comparison.
3 As at 30 June 2024.
4 Ratings and awards are only one factor to consider when deciding whether to invest in a financial product. Learn more about our awards.
5 Sustainable and environmental investing mean different things to different people. Different products have different investment criteria. Read our website to find out what sustainable and environmental investing means to us and what our products invest in. The Responsible Investment Certification Program does not constitute financial product advice. Neither the Certification Symbol nor RIAA recommends to any person that any financial product is a suitable investment or that returns are guaranteed. Appropriate professional advice should be sought prior to making an investment decision. RIAA does not hold an Australian Financial Services Licence. Past 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.
^ Based on the September 2024 Chant West Super Fee survey, UniSuper’s Balanced investment option ranks in the top quartile for lowest fees, out of 68 Balanced style options, within Chant West’s [61-80%] Growth investment risk category. Fees and costs vary between investment options. Please refer to the relevant Product Disclosure Statement for more information about fees and costs.
~ 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.