Greater performance

We’re a consistent top performer* with our Balanced investment option delivering top quartile returns over 3, 5, 7 and 10 years to 31 December 2021.1

Our Balanced option has also outperformed the industry super fund median and overall industry median in average yearly investment returns over the 10 years to 31 December 2021.1 Use the table to compare our performance.

Compare our average yearly investment returns over the 10 years to 31 December 2021

UniSuper Balanced investment option (% p.a.) Industry super fund median (% p.a.) Overall industry median (% p.a.)
10.58 9.35 9.17

Source: SuperRatings December 2021 Fund Crediting Rate Survey 1

*Past performance isn’t an indicator of future performance.

Low fees, better value

Our fees are among the lowest in the industry.

Our super and pension products invested in the Balanced option rank in the top 5 (as at December 2021)2 for lowest fees across a range of account balances, according to external research firm Chant West.

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    Read the transcript  

    The information contained in this video is of a general nature only and contains general advice. It’s been prepared without taking into account your individual objective, financial situation or needs. Before making any decision about your super you should consider your personal circumstances, the relevant product disclosure statement and target market determination for your membership category and whether to consult a qualified financial adviser.

    You can access a copy of the product disclosure statement and target market determination relevant to your membership category by visiting

    This video has been produced by UniSuper Management Ltd. ABN 91 006 961 799. AFSL No. 235907 on behalf of UniSuper Limited, ABN 54 006 027 121 AFSL No. 492806, the Trustee of UniSuper, ABN 91 385 943 850.

    UniSuper might be one of Australia’s largest funds, but our fees are some of the lowest you’ll find.

    We’re proud to be an industry super fund. We don’t pay profits to shareholders or commissions to advisers.

    There are also no joining fees, contribution fees, or exit fees.

    You’ll pay an administration fee for the management of your account. You’ll also pay investment fees and indirect costs for the management of your investments.

    You get one free investment switch each financial year. If you decide to switch your investment options more than once, you’ll be charged a switching fee.

    If you have insurance cover through your super, you’ll be charged premiums. You should look at the appropriate insurance booklet to find out the exact cost of the premiums.

    UniSuper Advice is a financial advice service available to all current and eligible UniSuper members and their families. You’ll receive a quote before proceeding with any service, and you may be able to deduct your fees from your super, depending on the type of financial advice you need and the type of account you have.

    You can also find more information on the fees we charge at or in your relevant product disclosure statement.

    If you have multiple accounts in different super funds, it’s a good idea to compare the fees you pay in each, and consider combining your accounts.

    Because even small differences in the fees you pay can add up to tens of thousands of dollars when you retire.

    Before combining your super, consider the possible effects this might have on things like the fees you pay, your insurance and the tax on your super. There may be other effects too so it’s best to seek financial advice if you’re unsure. If you’re not a UniSuper member and want to join, see if you’re eligible by visiting

    And if you have questions about fees or anything else, chat with one of our online consultants during business hours or call us on 1800 331 685.

Responsible, sustainable investing

Our investment process considers our environmental, social and governance (ESG) themed strategies. We’re Australia’s largest investor in ESG-themed strategies and proud of it.

With 100% responsible investments options and a pledge for net zero by 2050, you'll see a future that won't cost the earth. Learn more about how we drive change.

Award winning super

We’re a Canstar Outstanding Value superannuation award winner for 2022, and Money magazine’s Best Super Fund 2022.3

We’ve won a string of awards and achieved high ratings for our investment performance, value and services from the country’s top ratings and research agencies. See for yourself.

More than just great super

insurance icon

We've got you covered

Protect yourself and your loved ones with insurance through your super.

Because we insure lots of members at once, we get great rates for premiums – that means savings for you.


Expert financial advice

Plan your ideal future with a UniSuper financial adviser.

We work with you to shape your plan, manage the paperwork and help you stay on track and achieve your goals.


Stay with us for life

You can stay with UniSuper when you change jobs and when you retire.

When you’re ready to leave the workforce you can enjoy the flexibility of our Flexi Pension or a regular income for life with an indexed pension.

  • Things you need to know

    1SuperRatings Pty Ltd’s Fund Crediting Rate Survey December 2021_SR Balanced (60-76) option, published 21 January 2022 (without taking into account any subsequent revisions).

    2Source: © Zenith CW Pty Ltd (Chant West) (ABN 20 639 121 403) 2022. Fees may change in the future which may affect the outcome of the comparison in this document. - UniSuper Accumulation products invested in UniSuper's Balanced investment option as ranked in Chant West's Growth [61-80%] investment category – Chant West Super Fund Fee Survey December 2021. The above ranking and fee comparison is for the Balanced investment option only - both ranking and fees may differ for other investment options. Administration and investment fees and costs data is adjusted by Chant West so like comparisons can be made. Adjustments result in fees being gross of income tax, administration fees include fees and any indirect costs, investment fees and costs include fees charged (including performance fees) and any indirect costs and accordingly data contained in the research may differ from data shown in other published materials.

    3Canstar, 16 March 2022; Money magazine, 8 December 2021, 'Money reveals the Best Super for 2022'

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