Strong long-term returns*
Competitive fees


Award winning fund^
Access simple advice††

How does Aware Super compare?

As one of Australia's largest industry superannuation funds, we put our members first. We do this by keeping our fees competitive and investing to deliver strong long-term returns*. And unlike some retail funds which are owned by banks and insurance companies, we're owned by our members. Our profits go back into member benefits and other services to help you get the most out of your super.

There are 1 million‡‡ Australians who have their super invested in an underperforming fund. See how Aware Super compares with fees and performance.

Super Balance
Select an estimated super balance

Annual Administration Fee (%)
Annual Admin Fee ($)
Annual Investment Fee (%)
Annual Investment Fee ($)
Total fee ($) (inc. admin and inv fee)
3 Year Returns % p.a.
5 Year Returns % p.a.
10 Year Returns % p.a.

Aware Super
(Accumulation High Growth)

0.30%
$150
0.77%
$385
$535
10.54%
11.74%
10.61%

Industry Fund (Averaged)

0.38%
$190
0.73%
$365
$555
10.09%
11.42%
10.28%

Retail Fund (Averaged)

0.68%
$340
0.91%
$455
$795
9.52%
10.71%
9.72%

Information on industry fund and retail fund average returns is sourced via SuperRating’s Fund Crediting Rate Survey – SR25 High Growth (91-100) Index for 30 June 2021. Average returns information is based on a comparison of 13 industry funds and 12 retail funds. Returns are net of investment fees, tax and implicit asset-based administration fees.

Information on fees is sourced from Chant West’s Super Fund Fee Survey for June 2021 using data on the High Growth [81-100%] investment option index. Fees data is based on a comparison of 31 industry funds and 17 retail funds.

Outcome may vary between individual funds. Investment returns are not guaranteed. Past performance is not a reliable indicator of future performance.

Top tips for finding the best super fund

Finding the best super fund for you is a very individual choice as everyone has different needs. Here are some things to consider when you're comparing superannuation funds.

1. Strong long-term returns

Superannuation is a long-term investment, so it makes sense to compare performance over a longer term such as ten or 15 years.

Compare apples with apples by selecting the same period of time and investment option when comparing super funds.

2. Competitive fees

Although all super funds charge fees, how those fees are calculated and the type of fees that are charged can differ from fund to fund.

If a fund is performing strongly, you don't necessarily have to go for the lowest fees, but you should look to make sure the fees are competitive and not excessive compared to other funds.

3. Ethical investing approach

Think about what's important to you and how you want your superannuation invested.

Some questions to ask yourself:

  • Does the fund invest in tobacco or thermal coal?
  • Are its investments climate friendly?
  • Is its approach to responsible investing independently validated?

4. Investment strategy

Find out how your super will be invested over the long term and make sure you agree with the approach.

Some funds will change the mix of investments you hold so they're matched to your stage in life so when you're younger the focus is on growing your investment and as you get older it's about managing risks.

Or they may use a diversified investment approach so you're not relying on only one type of investment which can be risky if things go south.

Whatever the investment strategy, in general, super funds that are looking to provide strong long-term returns with downside risk management in volatile markets will offer you the best long-term outcome.

5. Insurance options

Most super funds offer death cover, total and permanent disability cover, and income protection insurance. If insurance cover via your super fund is important to you, compare the insurance premiums and the amount of cover being offered.


Everyone's situation is different, and we haven't considered your financial situation. So, before making a decision about joining, you should read our PDS and consider your own personal circumstances to decide if this is the right thing for you.

Not yet a member?

Join Aware Super, Money magazine's
Best Super Fund for 2021


Become a member     Why choose us

Strong long-term returns* while investing in good

We have delivered top performance* at the same time as investing to benefit your communities by building a more sustainable economy and supporting employment - both locally and globally. Our investment performance

  • 15 Year
  • Net Benefit
Aware Super High Growth $166,272
Retail funds (average) $126,153
All super funds (average) $149,239
  • $0
  • $30,000
  • $60,000
  • $90,000
  • $110,000
  • $150,000
  • $180,000

How much more you could have with Aware super

The net benefit is what a member would have after 15 years based on a $50,000 starting balance and employer super contributions on a $50,000 annual starting salary, as of 30 June 2021 based on data from the Super Ratings Fund Crediting Rate Survey. It uses options with a high growth asset ratio of 91-100%. The net benefit is compared to the median of 49 Retail funds and 91 All funds. It assumes a salary increase of 3.5% p.a. and contributions tax of 15%. Past performance is not a reliable indicator or a guarantee of future performance. Outcomes vary between individual funds.

View net benefit methodology

Comparisons are modelled by SuperRatings, commissioned by Aware Super. It uses the SuperRatings Fund Crediting Rate Survey. It uses options with a high growth asset ratio of 91-100%. The table shows the average difference in 'net benefit', a measure of investment earnings after fees (admin, investment and member fees) and taxes have been taken out.

View the net benefit and assumptions

ESTIMATED SUPER BALANCE

Slide to select your super balance

$25,000$50,000$250,000

ESTIMATED FEES PER YEAR

$535(1.19% of balance)

Aware Super High Growth Option

$560(1.29% of balance)

Industry Fund Avg
(34 funds compared)

$795(1.76% of balance)

Retail Fund Avg
(15 funds compared)

$705(1.68% of balance)

Overall Avg
(90 funds compared)

Disclaimer: Total estimated fees per year include combined administration and investment fees. Percentages include combined administration, investment fees and costs. Information on fees sourced from the Chant West Super Fund Fee Survey for 30 June 2021 using data from the High Growth [81-100%] investment option index. The above fee comparison is for the High Growth option only, fees and comparisons may differ for other investment options. Aware Super’s fee represents approximate total $ cost per annum on fixed account balance amount, including administration fees, investment fees and costs. A total of 90 funds are compared in the Chant West High Growth Index. Industry fund comparison consists of 34 funds and Retail fund comparison consists of 15 funds.

Lower fees means more for you

The fees you pay can make a big difference to the lifestyle you enjoy in retirement. Aware Super's total annual fees are up to 33% lower than the overall average of super funds. Our fees and costs



An award-winning fund^

Aware Super regularly receives top ratings and awards from our industry leading rating agencies.

For the last ten years we’ve achieved the highest platinum rating by SuperRatings, recognising our product features, performance and member services.

Chant West, another independent ratings agency, has awarded our personal and pension products their highest 5 Apples rating each year since 2005, and the Best Fund for Integrity 2019. Money magazine’s The Best of the Best awarded us Best Super Fund for 2021. Our awards and ratings

Join Aware Super in 3 easy steps...

Provide your details

You'll need your contact details, including email address and mobile number to set up your superannuation account.

Verify your details

A one-time pin number will be sent to your mobile to use on the sign up form.

Set up your password

Choose a password which will be used to give you 24/7 access to your account online, via member portal or App.

Become a member     Why choose us
Returns for the Aware Super MySuper Lifecycle High Growth option (our default investment option for members aged 55 and under from 5 September 2021) are ranked number 1, for the 3 (224 options), 5 (215 options) and 10 (118 options) year periods ending 30 June 2021, SuperRatings Fund Crediting Rate Survey (Default Options Index approx. 200 options). Past performance is not a reliable indicator of future performance and should not be the sole factor when considering if Aware Super is right for you. †  Information on fees is sourced from the Chant West Super Fund Fee Survey for 30 June 2021 using data from the High Growth [81-100%] investment option index. The above fee comparison is for the High Growth option only, fees and comparisons may differ for other investment options. Percentages include combined administration, investment fees and costs. The Aware Super MySuper – Lifecycle High Growth option (our default investment option for members aged 55 and under from 5 September 2021) is 1.07% p.a compared to the overall average which is 1.41% p.a and the Retail Fund average which is 1.59% p.a. A total of 90 funds (Overall average) are compared in the $50,000 account balance range within the Chant West High Growth index. ‡  Member numbers as of August 2021. †† Aware Super Accumulation, RIS and TRIS members can access simple advice from a superannuation adviser at no extra cost as part of their membership. A fee is charged for comprehensive advice. The Aware Super app was awarded Gold at the 2019 Sydney Design Awards for the category Digital - New Service or Application. ** What does tobacco free mean? We have won Super Review's Super Fund of the Year awards for Best Public Sector Fund, 2014, 2016, 2019 and 2020. ‡‡ Source: APRA MySuper Performance Test Outcoms – August 2021