Skip to main content

Planned outage to member and adviser services – Member Online, Adviser Portal and Aware Super App

Between 6pm (AEDT) Friday 8 December and 5pm (AEDT) Saturday 9 December, you won’t be able to log in to Member Online, Adviser Portal or the Aware Super App

With super advice and super returns, Aware Super is super helpful.

As one of Australia’s largest profit-for-members funds^, we always remember whose money it is and whose future we’re looking after.


Super returns

A top-10 return of 9.3% p.a. over ten years is great news for members in our High Growth option*


Super help & advice

Whether it’s a life moment that changes everything - or prepping for what’s next - we’re here to guide our members from day one to one day. Find out how we're super helpful.


Super fees

We offer competitive fees# which can make a real difference to your super balance over time.


Super awards

Money magazine’s Best Super Fund and a Canstar Outstanding Value award winner for 2023. Find out more.

Introducing My Retirement Planner

Get an estimate of how much money you’ll need in retirement, plus a Retirement Confidence Score that shows how close you are to achieving your retirement goals. You’ll also get a step-by-step action plan to point you in the right direction. 

Watch our latest video on investment markets and performance

Join our Head of Retirement, Jacki Ellis, and Head of Investment Strategy, Michael Winchester, as they discuss the latest market activity and investment performance – including how you can best plan and prepare for retirement.

Michael [00:00:00] Hi, I'm Michael.

Jackie [00:00:01] And I'm Jacki.

Michael [00:00:03] We're here to give you an update on your super and how investments have performed recently and what we're doing to grow your super over the long term.

Jackie [00:00:11] We'll also talk about the performance of our two most popular investment options. And for those who are retired or close to it, I'll talk about how to prepare for what's next and how to make the most of your savings.

Michael [00:00:26] This quarter, markets moved up and down, as usual, as investors reacted to different pieces of news. Some weaker economic data from China negatively affected the performance of Australian shares and kept our dollar down. There are positive signs that inflation may finally be coming down, but this might not mean interest rates will come down quickly. Some central banks are suggesting that interest rates could stay higher for longer and that we may not see any rate cuts next year. This caused longer term bond yields to rise over the quarter, now back at levels last seen in 2007. It all added up to a quarter of subdued and sometimes negative performance for many investment options. Remember, though, the short term ups and downs are normal in investing. The important thing is to focus on long term returns to build your super for retirement. Short term dips in your balance can feel concerning, but often the best thing to do is to stay invested and stick to your long term plan. Our High Growth option, the default option for members aged 55 and under returned 11.7% for the year to 30th September 2023, despite a small negative return for the quarter. It's also a strong performer over the long term, delivering 8.5% per annum over ten years. Conservative Balanced, our default option for retirement income accounts, has grown 8.2% for the year to September. The Conservative Balanced option is also performing well over the long term, with a return of 6.6% per annum over ten years. Both our High Growth option and our Conservative Balanced option are top ten performers over ten years to June. Remember, strong long term returns add up over time and can mean more super for your retirement. In fact, about 40% of the income you receive in retirement could come from the return on your investments.

Jackie [00:02:25] When it comes to investing your super if you leave your investment choice to us, we do things a bit differently. As you grow older, we gradually make your super from higher growth, higher risk options, to more conservative options that have more focus on protecting your savings. When you're younger, investing in high growth options makes sense because you have time to ride out the market ups and downs. And when you're older, managing investment risk more conservatively makes more sense. You want to focus on safeguarding what you've worked so hard to build up while still growing your investments. We call this our life cycle approach, and we believe it's the most effective strategy for growing your super over the long term. When you've retired, you need your savings to keep growing, to keep up with the cost of living. That generally mean staying invested in the market and not switching to options you might think are lower risk like cash. It can feel counterintuitive that sometimes taking on less investment risk can actually be quite risky if it means your savings don't last as long as you do. In this graph, you can see that a retired member who stayed invested in our pension option would end up with $4,700 more in income every year than the member who withdrew their money and put it in a bank account. When you're retired, if your savings fall, it's much more difficult to build them up again because you're no longer contributing to your super. That's why we invest differently with our conservative investment options for retirees. So if there's a market downturn, your super will typically fall less than the market. When you look at what makes

a successful retirement, it's all about having a plan. And that's where we can help our members. We can provide expert advice at no extra cost to help you understand things like when you can retire, how much income you'll have to live on, and what you can do now to build your super. Plus you can use our super easy My Retirement Planner calculator to show how your income and lifestyle could look in retirement. If you want to learn more, we recommend that you book a super helpful check in with our experts to find out what super or retirement strategy is best for you.

We’re Money magazine’s Best Super Fund, and a Canstar Outstanding Value award winner for 2023


What we offer


Online, over the phone or in person – we have expert help available to help ensure you’re set up for retirement.


Members can access a range of in-person and online events on a range of super and finance topics.


We offer a range of insurance options through our super accounts.


Members can access mental health, nutrition, fitness and grief support services at no extra cost.


Our secure award-winning App~ and our Member Portal makes managing your super easy.


We offer a range of options to suit differing member needs, including our MySuper Lifecycle, which tailors your investment mix based on your age.

Super impact

As a fund with over $160b in funds under management$, we know the impact we can make for our members - and it's a responsibility we don't take lightly, not ever.

Join Aware Super today, it only takes a few minutes

The right choice today could mean a big difference to your future.

Latest news and updates

New and improved portal, making super easy

We've added more super helpful features to your Member Online, so it's now even simpler to manage your super.

  • Make speedier contributions and tax deduction claims
  • Track your actions in My Activities tracker

How Aware Super is making the most of market volatility

Market volatility offers not just risks but also opportunities. 

Hear from our Chief Investment Officer, Damian Graham, on how we’re focused on making sure we take those opportunities for our members to generate long-term returns.

Register here for the 2023 Annual Members Meeting

Please join us for the Annual Members’ Meeting on 5 December 2023. The Aware Super panel will present our results for the 2022/23 financial year, and our plans and expectations for the year ahead

*High Growth option to 30 June 2023 after investment fees and costs and tax on investment income. Top 10 in the SuperRatings Fund Crediting Rate Survey SR50 Growth (77-90) Index (Approx 50 options) over the period. Past performance is not an indicator of future performance.

The High Growth option is where the majority of our FutureSaver members are invested. FutureSaver members who do not make an investment choice are invested in our MySuper Lifecycle and allocated 100% to the High Growth option until they reach age 56. Between 56 and 64, members’ allocations are adjusted each year into age specific investment mixes across High Growth, Balanced and Conservative Balanced options. From age 65, members are allocated 100% to the Conservative Balanced option. Learn more by reading the Future Saver PDS, and see the returns for our full range of options.

#Chant West Super Fund Fee Survey 30 June 2023, High Growth [81-100% in growth assets] investment option index and $50,000 account balance. Aware Super High Growth option total fee is 1.08% p.a compared to an overall average of 1.29% p.a. (approx. 76 options) and a retail fund average of 1.38% p.a. (approx. 15 options). Total fee includes combined administration, transaction, and investment fees and costs. Fees and costs can vary from year to year. Past fees and costs are not a reliable indicator of future fees and costs. Fees and comparisons may differ for other investment options and account balances.

^Based on the DEXXAR Industry Market Share Report June 2023 (includes VicSuper which is part of Aware Super).

~The Aware Super app was awarded the Bronze Stevie Award at the 2022 International Business Awards.

$As of September 2023