Our fund has a rich history within the health care sector, being a major fund-of-choice for health workers since 1992. In the more than 30 years since, now over 200,000 members proudly work in health and social assistance.
You've built a career helping others, so now's time for us to help you get on track for life after work – whatever that looks like to you.
If you were invested in Aware Super’s High Growth option over the last 10 years, on average you would have grown your money by a strong 9.22% p.a.[P1]
Strong long-term returns along with competitive fees may mean you can retire with more money in your super balance.
Learn why we’re one of the top super funds for healthcare workers.
If you’re strapped for time, too tired post-shift or simply feel out of your depth when it comes to investments, we’ve got you covered with our MySuper Lifecycle product. Our default product where the majority of our members are invested, your money is automatically placed in our high growth option, so you can grow your wealth while you’re younger and ride out any ups and downs in the market.
And as you get closer to retirement, your super is gradually shifted into more stable investments. The best part is that we manage the heavy lifting for you.
You can access health and wellbeing services through Teladoc as part of your membership.^ This means you (or a family member) can book a confidential online appointment with a health professional from the comfort of your home and in your own time. You can tap into services to support you with mental health, nutrition, fitness, and menopause.
Our local call centres are ready to give you a helping hand whenever you need, either over the phone or online. We’ve got three call centres across Australia available from 8am–8pm (AEST), so if you want to chat with someone before or after your shift, we’re here to help.
You can book a 45-minute video call with a super and retirement expert at no extra cost to you.[AD2] During these super helpful check-ins, you can chat through all your questions about your super, including how much super you need for retirement. You can also get tips on how to grow your savings so you can stay on track before you retire.
When you’re a member, you can do all your admin from our app. Everything is conveniently stored in the one place, and we have a range of digital forms to help you manage your super. Plus, you can also nominate your beneficiaries through Member Online instead of going down the pen-and-paper route. With your super in your back pocket, anything is possible.
“I think the best guidance we got was from an Aware Super retirement seminar we went to. It just opened our eyes to income streams and transition to retirement. The one thing I’d say to other people who are thinking about retiring is preparation. Do your budget. Know what you’ve got.”
- Alain, 62, Aware Super member‡
You’ll need an email address, mobile and Tax File Number (TFN), which you can provide later), to set up your superannuation account.
A one-time PIN will be sent to your mobile to use on the sign-up form.
Choose a password which will give you 24x7 access to your account online, via Aware Super’s member portal Member Online, or our award-winning app.[A4]
Did you know that 18% of our members work in the healthcare sector? That’s why we invest with the goal of delivering strong long-term term returns to help you get the retirement you deserve. Our diversified portfolio includes important investments in your industry, like Bendigo and Frankston Hospitals in Victoria and the Sunshine Coast University Hospital in Queensland. We’re also investing in global companies who are leading the way in health innovation.
Around 425 health care workers gained access to essential worker housing during the 2024/25 financial year.1 Plus, around 65% of these workers told us their commute time had reduced, meaning they can focus more on their wellbeing outside of work. By investing in these apartments through Aware Real Estate, we can help support access to housing that’s closer to the workplaces of health care workers.
You don’t have to stay with your employer’s default fund if you don’t want to. In fact, it might be a smart idea to investigate your options and see which fund is better for your needs.
But remember, if you open more than one super account you might end up paying more in fees. So, consider if opening a new account and consolidating is right for you.[C1]
Yes, you can stay with us if you change jobs. All you need to do is share our details with your new employer. That’s it.
You can find and share our details through:
Member Online, where you can download a form with everything you need.
Our app, where you can send a pre-filled email straight to your employer.
Yes, you can salary sacrifice if you’re a healthcare worker.[S2] You can ask your employer to pay a portion of your earnings into your super. Then your employer will work out the tax you pay based on the amount after the contribution. This means you can boost your super and pay less tax. But it does mean you’ll have less take-home pay, and you can’t go over the before-tax contributions cap of $30,000.
Your employer will pay your super based on your ordinary time earnings (OTE). So, if you do shift work or get paid at a penalty rate, then you’ll get paid super. But if you work overtime (so more than your OTE), then you won’t get paid super for the amount of additional hours that you worked.
Yes, if you’re a temporary resident working the Australian healthcare sector your employer will pay super into your nominated fund. And if you leave Australia after working on your temporary visa, you could claim your super as a departing Australia super payment (DASP), if you’re eligible. But you can only submit a DASP claim after you’ve left Australia and your visa has expired.
^ Members can access health and wellbeing services at no additional cost. Your insurance covers you and your immediate family, specifically your partner or spouse and any children over 18 years old, for all Teladoc Health services and other wellbeing support services. Some of the services are available to all Aware Super members, even if you don’t have insurance through your super, including Headlight, TAL Directory of Support, Grief support, HealthScout and more. Note that some services may be specifically linked to your insurance.
TAL Life Limited, ABN 70 050 109 450, AFSL 237848 (‘the insurer’, or ‘TAL’) provides health services to Aware Super. This includes this service by Teladoc Health Australasia PTY LTD (Teladoc Health) (ACN 147 387 666). It is intended to provide general health information and advice. This service is available to you, your spouse and your children if you have insurance through Aware Super with TAL. Teladoc Health is not part of Aware Super or TAL, and services are provided by Teladoc Health, not Aware Super or TAL. The recommendations provided by this service are based on medical and other information you provide to Teladoc Health. Services are provided by Teladoc Health. Teladoc Health is the entity that will collect, use, disclose, store, secure and dispose of your personal health information if you use their services. TAL have exercised all due care and diligence when selecting Teladoc Health as a provider of these services. Aware Super and TAL do not take any responsibility for the services provided by Teladoc Health and do not recommend them as suitable for every individual. The information provided by this service is not a substitute for advice from a qualified medical professional or other health professional. This service is not intended to diagnose, treat, cure or prevent any health problem. Always consult your general practitioner or medical specialist before accessing any support service. These services may be subject to change or withdrawal in future.
‡ The member has provided their consent to the statements attributed to them, in the form and context in which they appear and have not withdrawn this consent as at the date of preparation.
1 This metric is based on one asset and is based on data for part of the financial year (1 July 2024 to 19 May 2025) and has not been annualised.
[A2] Visit aware.com.au/awards for awards information. Awards and ratings are only one factor to be considered when choosing a super fund.
[A4] The Aware Super app was awarded Bronze Stevie Award at the 2022 International Business Awards. For more information see: Search All Past Stevie® Winners and Finalists | Stevie Awards.
[A7] Canstar Outstanding Value Award - Superannuation - awarded in four consecutive years to Aware Super in March 2022 through March 2025. Awards are only one factor to be taken into account when choosing a super fund. For more information on awards and ratings visit Canstar.
[AD2] Members can get advice about their Aware Super accounts at no extra cost, or advice on their broader needs for a fee.
[C1] Before consolidating, consider if this is right for you, including the loss of any insurance cover from your other funds, the impact on your investments, and potential tax implications and read the PDS and TMD at aware.com.au/pds. You may wish to speak with a qualified financial planner before making this decision.
[M4] Member numbers as of January 2026.
[P1] Aware Super's High Growth option return over 10 years to 31 March 2026. SuperRatings Fund Crediting Rate Survey, March 2026. Based on the SR 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.
[S2] Salary sacrifice will save tax in many but not all circumstances and will cause a reduction in your take home pay.
