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Starting to plan your retirement?

Getting your retirement savings on track early is a great way to plan for your future. Explore how Aware Super can help you have the retirement you desire.

When you choose Aware Super, you can head towards retirement with confidence. Aware Super was recognised as SuperRatings' Fund of the Year 2025[A5] and Chant West’s 2025 Pension Fund of The Year[A6].

MySuper Lifecycle, the smart way to invest your super

MySuper Lifecycle. It really does revolve around you.

This investment approach will fine-tune your investment mix over time to help you retire with more. It’s a smart investment approach that puts you at its centre.

When you’re younger, you might want to invest in high growth options. This is because you generally have time to ride out market ups and downs. MySuper Lifecycle helps you grow your super savings while you’re young and manage investment risk as you get closer to and in retirement.

Switch to MySuper Lifecycle

Why invest with MySuper Lifecycle?

Account keeping fee: $1/week

The account keeping fee on a Future Saver account is a competitive $52 per year. You’ll also pay an asset-based administration fee of 0.15% per year ($75 per $50,000), capped at $62.50 per month.

Competitive fees[F1] is one of the reasons we’ve been recognised by Canstar for Outstanding Value Superannuation[A1] for three years running.

Strong, long term performance

For members aged 55 and under, our default MySuper Lifecycle High Growth option delivered a strong 9.58%[P1] return per annum over ten years to 30 September 2025.

Our High Growth option is ranked in the top 10 similar investments for super funds over 10 years. This is where your money is invested during the Grow phase of MySuper Lifecycle.

You can add extra to your super to grow it faster

By adding more money to your super you can increase your retirement savings. Some of the ways you can grow your super include:

  • Get all your super into one place by finding lost super and consolidating* it into your Aware Super account.
  • Add small amounts as often as you can with personal contributions.You’ll be surprised at how regular deposits, no matter how small can add up over time.
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Financial education webinars

The more your super grows, the more you’ll have when you retire. Join our experienced superannuation experts as they break down superannuation and finances into easy-to-understand topics through live webinars and seminars.

Book a webinar

Compare Aware Super’s performance

9.58% p.a. over 10 years[P1]

Our High Growth option delivered 9.58% over the 10 years[P1] to 30 September 2025. We’ve outperformed the index median for our High Growth option over 3, 5, 7 and 10 years.[P10]

Super Helpful Check-in with a financial advisor

Aware Super members can get set for a super future in just 45 minutes. Over a video call, a qualified financial planner^ will cover these key questions and more:
 

  • How much super do I need for retirement?
  • Am I on track to save this in time?
  • What changes could I make to grow my superannuation savings?
Book a Super Helpful Check-in
“I wish I had known to invest more into my superannuation when I was much younger. I always kept an eye on my super, but I didn’t always salary sacrifice.”

- Alan†, Aware Super member, transitioning to retirement at 62

Focus on your super today, so it works harder for your future

Maximise your super

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

Competitive fees make a big difference to your super balance over time

We offer competitive fees[F1], and don’t charge you to switch investment options.

One of Australia’s top-rated funds

We regularly receive top ratings and awards from industry leading rating agencies.

Learn when it suits you with on-demand webinars

Supercharge your learning with complimentary on-demand webinars about super, retirement and investments.

Guidance and advice

Online, over the phone or in person - we have expert help^ available. We also have a range of resources online to help guide you, whether you’re just starting your first job or ready for retirement.

Super helpful app

You’ll have access to our mobile app where you can manage your super anytime, anywhere.

Become a member

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.[A2]
Award logos specifically for Accumulation members

Join Aware Super, it only takes a few minutes.

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

Become a member

[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 (Lonsec Research). 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. superratings.com.au/products.

[A6] Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872/AFS Rep No. 1280401 Chant West Awards issued 21st May 2025 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. Full details on Chant West Awards at https://www.chantwest.com.au/fund-awards/about-the-awards/

[F6] Chant West Super Fund Fee Survey June 2025, High Growth [81-95% in growth assets] investment option index and account balances of $25,000, $50,000 and $250,000. Fees and costs can vary each year & include admin/investment fees & costs, & transaction costs, but does not include insurance premiums. Fees differ for other investment options & account balances. Past fees and costs are not a reliable indicator of future fees and costs. 'Overall average’ is the average total fee of funds included in the survey for the relevant account balance.

[P1] Aware Super's High Growth option return over 10 years to 30 September 2025. SuperRatings Fund Crediting Rate Survey, September 2025. 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.

[P10]SuperRatings Fund Crediting Rate Survey, September 2025. 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.

[F1] Chant West Super Fund Fee Survey June 2025, 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. Aware Super’s High Growth option as published in the Aware Super Future Saver PDS.

^ Advice provided by Aware Financial Services Australia Limited (ABN 86 003 742 756, AFSL 238430), wholly owned by Aware Super.

† The member has provided their consent to the materials and 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. The views expressed here belong to the individuals concerned and are not necessarily the views of Aware Super Pty Ltd. No warranty as to the accuracy or completeness of this information is given and no responsibility is accepted by Aware Super Pty Ltd or its employees for any loss or damage arising from reliance on the information provided. This information should not be construed as advice, whether it be general or personal advice, nor should it be substituted for obtaining professional financial, legal or tax advice.

* 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.