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]
true
FAQs about becoming a member
You can join us as an individual or through your employer (if we’re their default fund). And if you’re a temporary resident in Australia, you could be eligible to join us and earn super.
Set aside around five minutes to make sure you have plenty of time to fill out our form.
The joining process is pretty simple:
Share some personal details, like your name, email, and mobile. You can also share your Tax File Number at this stage or after you’re a member – whatever works for you.
You’ll get a PIN sent to your mobile number. Enter it into the relevant section on the form so you can confirm your identity.
Choose how you want to log in – with a custom username or your member number. And don’t forget to make a password.
Once you’ve confirmed the last step, you’ll be an official Aware Super member.
If you have a Future Saver account (also called a super or accumulation account), you pay these two fees:
An account-keeping fee of $52.*
An admin fee of 0.15% of your account balance each year, up to a maximum of $62.50 each month (or $750 each year).
But if you have a Retirement Income or Retirement Transition account, then you pay these two fees:
- An account-keeping fee of $52.*
- An admin fee of 0.16% of your account balance each year, up to a maximum of $109 each month (or $1,300 each year).
Costs met from reserves
In some years, if the cost of running the fund is higher than the fees collected from members, fund reserves may be used to cover the difference. These are not deducted from your account balance. For the 2024/25 financial year this was 0.01%p.a
We charge admin fees to cover the cost of administering and operating the fund. This fee is deducted directly from your account.
Investment fees cover the costs of investing and managing your investment options. They include a base fee, transaction costs, and performance fees.
You could also pay insurance fees (if you have cover), which are deducted from your account. These premiums will be different for each member and are based on your situation.
When you become a member, you’ll have the option to choose from one (or a mix of) 15 investment options. Or to keep things simple, you could go with the default MySuper Lifecycle approach.
MySuper Lifecycle is an investment approach that automatically adjusts your investment mix as you get older. This approach is designed to help you maximise your returns while you’re young. Then as you get closer to retirement, MySuper Lifecycle becomes more balanced to help reduce the impact of any large market falls you may experience.
You could also invest in one of our four Socially Conscious investment options. These options limit or exclude industries or companies considered to have a negative environmental or social impact.
We take your protection and security seriously. That's why we use multi-factor authentication (MFA) for all account log ins, so we can verify it's actually you. And if you’ve got the app, you can use biometrics (like facial recognition) to log in for additional protections.
You’ll have access to heaps of super helpful benefits and features to help you manage your super and get retirement-ready.
You can use My Retirement PlannerTM to see how much super you could have at retirement. And you can use this online tool to explore different scenarios, like retiring earlier or changing your lifestyle. As a member, you’ll also have access to My Retirement ManagerTM. This handy tool gives you a tailored retirement plan that helps you understand how much income you’ll have to live on and how long it’ll last.
You can book a chat with a super and retirement expert at no extra cost.[AD2] During these 45-minute video calls, you can ask questions about your super and get advice on how to keep it on track in the lead-up to retirement. And you can also pay a fee for more tailored advice for your financial, aged care, and insurance needs.
You (and your family) have access to confidential health and wellbeing support, at no extra cost through Teladoc.^ Get support for mental health, menopause, fitness and nutrition as part of your Aware Super insurance policy.
Your super fund isn’t a ‘lock in for life’ type of situation – if you feel the need to change, then you can change.
Join in as little as 1, 2, 3
Becoming a member is super quick and easy. Do it on your lunch break, when your dinner’s cooking, or while you’re waiting for the train.
*Due to rounding of the monthly fee amounts the total account-keeping fee will total $52.01 (p.a.) in some years.
^ 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.
[A6] Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872 / AFS Rep No. 1280401 Chant West Awards issued 27 May 2026 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/
[AD2] Members can get advice about their Aware Super accounts at no extra cost, or advice on their broader needs for a fee.
[F1] Chant West Super Fund Fee Survey March 2026, 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.
[F11]Chant West Super Fund Fee Survey March 2026, Based on High Growth [81-95%] investment option index and $50,000 account balance. Aware Super’s High Growth option as published in the Aware Super Future Saver PDS. Overall average is the average fee of funds measured in the quoted fee survey.
[P12] Aware Super FutureSaver High Growth option as per SuperRatings Fund Crediting Rate Survey, June 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. ‘Industry median’ refers to a collection of approximately 34 retail, industry, corporate and government funds comprising the SuperRatings index mentioned. 'Industry median’ return over 10 years to 30 June 2026 was 8.89% p.a.
[W1] Aware Financial Services Australia Limited (AFSAL), (ABN 86 003 742 756, AFSL 238430), wholly owned by Aware Super Pty Ltd (ABN 11 118 202 672) as trustee for Aware Super, has engaged Safewill, an online will-writing platform. Safewill is a third-party, independent provider who can assist you in creating a Will. AFSAL and its related entities do not currently receive any fees or commissions from Safewill. AFSAL, and its related entities, do not take any responsibility for Safewill’s services or any loss or damage arising from your use of these services. If you engage Safewill in creating a Will or other legal documents, you will be subject to Safewill’s terms and conditions.