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We support Australians who work to benefit the wider community

Aware Super has a long history of investing superannuation for Australian workers. We are superannuation specialists for employees in education, healthcare, the public sector and those in allied areas such as aged care, disability and childcare. 

An essential part of what we do is invest your superannuation to help set you up to live your best life in retirement. We’ve been investing superannuation savings since 1966, when we were known as Health Super. Today, over 1.1 million[M1] Australians trust us to invest their super for them.

A track record of delivering super long-term returns

9.03% p.a. over 10 years[P1]

A strong 9.03% p.a. over ten years to 30 September 2024 is great news for members in our High Growth option, where a majority of members are invested.

How Aware Super compares to other funds

When comparing superannuation funds, you should consider overall performance, fees and costs.

A net return analysis is a great way to compare apples with apples when it comes to superannuation. This calculation compares super products based on returns delivered over a period of time after all fees, costs and taxes.

This graph assumes the following; a $50,000 starting account balance; employer contributions based on a starting salary of $50,000 p.a.; salary increases of 3.5% p.a. and contributions tax of 15%. The Net Benefit refers to a member's investment earnings over the time period of 15 years to 30 September 2024, less any administration, investment and member fees for options within the SuperRatings Growth Index (77-90% growth allocation). The net benefit compares Aware Super to the median of 72, 64 and 52 Not for Profit funds over 7, 10 and 15 years and 175, 130 and 68 all super funds over 7, 10 and 15 years which is inclusive of Retail, Industry, Corporate and Government funds. Net Benefit provided by SuperRatings’ Net Benefit Tool, accessed 27/11/2024.’ Past performance is not a reliable indicator or a guarantee of future performance. Outcomes vary between individual funds. View net benefit methodology

How one teacher prepared for retirement with Aware Super

Lauren is a retired teacher whose financial adviser guided, informed, and explained the steps that she might take when thinking about her retirement. 

For anyone thinking about retirement, Lauren recommends seeing a financial planner and working with them to figure out what you want. She found that her advisor was able to guide her toward her financial goals.

As a woman, when I first sought financial advice it was daunting and the more I learnt, the more empowered I was, and I think all women should know everything there is to know about their financial future.

While I was working, I really didn't pay much attention to my superannuation.

To be honest, I didn't even open the envelopes that they sent me every year.

I went to my financial advisor and asked, "Where I'm at now and what are my options?"

And my financial advisor then worked really closely with me and guided me, informed me and gave me lots of options.

So he would do things like draw buckets on the whiteboard and explain my different options, and then say, "Think about these options, next time I see you, you're going to tell me which one you're most comfortable with."

I decided to leave teaching, leave Sydney and move to Bangalow.

I do a walk every morning,

I do the lighthouse walk twice a week.

Being retired I now have time to do the things I really like to do.

Just enjoying the good life, not having to rush everywhere.

For anyone who's considering retirement, I would say the first thing you need to do is make an appointment with your financial planner.

Start working out what you want to do, when you want to do it, and how you're going to get there.

Listen to the advice, get upskilled, get more knowledgeable.

Seeing my financial planner empowered me to be in control of my future.

It was my dream and my financial planner helped me make it come true.

Competitive fees to help grow your super sooner

Fees cover the costs of managing and investing your superannuation funds. Fees include admin fees and costs, investment fees and costs, and transaction costs. We do not charge switching fees when you switch your investments or join the fund.

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We're a super fund with a growing list of services and benefits

Profit-to-member-fund

  • 1.1+ million members
  • Straightforward pricing
  • Strong, long-term returns[P1]

Tools and calculators

  • Mobile app
  • My Retirement PlannerTM
  • Retirement Guide
  • Insurance calculator

Helpful advice & guidance

  • Online and in-person education events
  • Confidential health support
  • Planning and advice

Investment options

  • Socially conscious options
  • 15 options to suit your investment goals
  • MySuper Lifecycle with 11 life-stage investment stages

Insurance options

  • Death and terminal illness cover
  • Total and permanent disablement cover
  • Income protection cover

Account options for everyone

  • Accumulation options
  • Retirement Income options
  • Retirement Transition options

Feel good your super is with an award-winning fund

From your first day of work and throughout your retirement, enjoy products and services that are backed by a range of awards and top ratings. Awards are only one consideration.  

Super Fund of the Year

This award recognises Aware Super’s excellence across a range of key criteria including investments, member services, fees, and organisational strength.

Pension Fund of the Year

This award considers how Aware Super adapts its offering to the differing priorities and demands in the retirement phase of life.

Best Fund: Insurance

This award recognises how Aware Super’s insurance options help support members with varying and complex insurance needs.

Ultra Long-Term Performance

Money magazine’s Ultra Long-Term Performance 2024 award recognises Aware Super’s ability to deliver ultra long-term performance through a highly diversified portfolio constructed to deliver consistently sound returns.

Aware Super have won the Money magazine's Ultra Long-Term Performance award 2 years in a row.

Outstanding Value Superannuation

Canstar’s Outstanding Value Superannuation Awards recognise the providers that provide exceptional value to customers across the range of ages and account balances considered in the Star Ratings.

Lifetime Return 2024

The award recognises Aware Super’s ability to generate strong positive returns across a member’s entire lifetime, while also factoring in the level of risk members are exposed to as they approach retirement.

Join Aware Super, it only takes a few minutes

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

[A1] Awards and ratings are only one factor to be taken into account  when choosing a super fund. Read more information about our awards and ratings. Past performance is not an indicator of future performance.

[A5] 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  for ratings information. © 2025 SuperRatings. All rights reserved.

[A6] Chant West - Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872/AFS Rep No. 1280401 Chant West Awards issued 22 May 2024 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. Visit Chant West Awards for full details.

[A7] Canstar Outstanding Value Award - Superannuation - awarded in three consecutive years to Aware Superannuation Fund in March 2024, March 2023 and March 2022. Awards are only one factor to be taken into account when choosing a super fund. For more information on awards and ratings visit canstar.com.au/star-ratings-awards/superannuation.

[F1] Chant West Super Fund Fee Survey 30 September 2024, High Growth [81-95% in growth assets] investment option index and $50,000 account balance. 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.

[F6] Chant West Super Fund Fee Survey 30 September 2024, High Growth [81-95% in growth assets] investment option index and $25,000, $50,000 and $250,000 account balances. 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.

[M1] Aware Super data as of June 2024.

[P1] Aware Super's High Growth option return over 10 years to 30 September 2024. SuperRatings Fund Crediting Rate Survey, September 2024. Based on the SR50 Growth (77-90) Index. Returns are after tax and investment management expenses but before the deduction of administration fees. Past performance is not an indicator of future performance.