Explore the key features of the Aware Super accumulation account and see how we’re helping to keep super simple.

Low fees^1

The fees you pay for your super today can make a big difference to the lifestyle you get to enjoy in retirement. That’s why we keep our fees as low as possible for our members.    

In fact, Aware Super’s total annual fees are 30% lower than the average of some retail super funds.

Source: Chant West Super Fund Fee Survey, March 2020 for growth multi-manager investment options (61-80% growth assets). Calculations based on a superannuation balance of $50,000. The fees shown include administration and investment fees and costs and are gross of income tax. The table shows the average difference of fees of the main growth multi-manager investment options surveyed in December 2019 (97 Super Funds and 19 Retail Funds (master trust funds) tracked by Chant West. Outcomes vary between individual funds.

Strong, long-term returns^2

You want your super investments to be working hard towards your future. So it’s reassuring to know we’re consistently delivering strong, long-term returns for our members. In fact, you could be thousands of dollars better off with Aware Super over 15 years, compared with the retail super funds average.

The graph shows the net benefit 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 at 31 December 2019. Past performance is not a reliable indicator or a guarantee of future performance. Outcomes vary between individual funds.

NET BENEFIT METHODOLOGY: Comparisons are modelled by SuperRatings, commissioned by Aware Super. It uses the SuperRatings Fund Crediting Rate Survey - SR50 Balanced (60-76) Index. 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 methodology and assumptions.

See our investment returns


Investing for good

We believe you shouldn’t have to choose between doing well financially and doing good in the world. This belief is guiding us to achieve both for members.

We’re dedicated to making meaningful investments that make the world a better place – investments that can have a big impact on our economy, the environment and future generations. That’s why our investments include hospitals, environmentally friendly developments, renewable energy, agriculture and aged care facilities.

Learn more on our responsible ownership approach

A choice of investments to suit your needs 

You get to choose how you’d like your super to be invested – either by choosing from our pre-mixed investment options, or our individual asset class options. Whatever your circumstances and whatever your goals, we think we’ll have an option that suits your needs. 

Compare investment options

Flexible insurance options 

An Aware Super accumulation account comes with range of insurance benefits and options for eligible members, all designed to help protect you and your family from the financial impacts of unexpected events. 

See our insurance options

Expert financial advice at no extra cost

The decisions you make today about your super could have a big impact on your future lifestyle. That’s why all our members can access simple advice from a superannuation adviser at no extra cost.

But we know some needs can be more complex, so you’ve also got access to Australia’s largest member-owned financial adviser network – some 220 qualified financial planners^3 – ready to help you set up a financial plan to suit your needs. (Your first appointment is at no cost, no obligation. If you decide to proceed, a fee will be payable for your plan.)

Financial planners are salaried, so they’ll never take a commission from you.

Learn more

Tools and support to make super simpler

Your super is your money, and we want you to feel confident and in control when it comes to looking after it. Aware Super members have access to a range of free education and learning resources that make it easier to understand and manage super.

Explore our factsheets

Super at your fingertips – Download our mobile app 

And the aware super mobile app gives you 24/7 access to your super account, making it easier than ever to stay in touch with – and in charge of – your money. You can even use the app to join in just minutes. 


Here for you – today, tomorrow, always 

Your super could be the longest investment you’ll ever have, so you need to know your super fund is with you for the long run. And we are. 

You can take your Aware Super Accumulation account with you when you change jobs. And if you’re thinking about making a transition to retirement, or retiring fully, you can transfer your super savings to one of our Aware Super retirement products.

It only takes a few minutes to join

Open your Aware Super accumulation account now

  1. The total annual fee (inclusive of admin and investment fees) for our Accumulation Fund Growth option is 1.10% p.a., the industry average is 1.43% p.a., Chant West Super Fund Fee Survey, March 2020, based on a $50,000 balance in a Growth option. 

  2. The Aware Super Growth option as sourced from the SuperRatings Fund Crediting Rate Survey for the SuperRatings SR50 Balanced (60-76) Index delivered a rolling 10 year return to 31 May 2020 of 7.77%. This is compared to the SR50 Balanced (60-76) Index median rolling 10 year return to 31 May 2020 of 7.13%. Returns are calculated net of investment fees, tax and implicit asset-based administration fees. The SR50 is an index of 50 super funds whereby each fund is assessed on criteria such as their size, history of returns and allocation of assets to growth assets between 60 -76 percent of the investment. This disclaimer is related to the Aware Super accumulation product. Past performance is not a reliable indicator of future performance. 

  3. Financial planning services are provided by our financial planning business, Aware Financial Services Australia Limited, ABN 86 003 742 756 AFSL No. 238430.