Over 450,000 Australians trust us with their retirement savings, enjoying our low fees, competitive long-term performance* and personal service. Now you can too!

Benefit from impressive returns

Our Balanced investment option is a consistent top performer, delivering top 5 returns over 3, 5, 7 and 10 years to 31 December 2020*.

The numbers speak for themselves

We use “net return” to compare funds, which is one of the best ways to see how funds stack up. The net return of an investment is its return minus fees and taxes.

Net return guide – how UniSuper compares with the industry median and other funds



Graph showing Super fund 10-year net returns to 31 December 2020

Source: Chant West. The net return used in the above graph is an estimate of how much an account balance of $50,000 would earn in the next year based on historical long-term performance (average return over 10 years to 31 December 2020, after investment fees and tax), minus current administration fees. The investment options used are the UniSuper Balanced option and other funds’ options with similar risk profiles. Full details regarding Chant West’s research methodology, processes, ratings definitions are available at chantwest.com.au and Chant West’s Financial Services Guide is available at chantwest.com.au/financial-services-guide.

Fees and costs

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 May 2021) for lowest fees, according to external research firm Chant West.

  • reading icon

    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 for your membership category and whether to consult a qualified financial adviser.

    You can access a copy of the product disclosure statement relevant to your membership category by visiting unisuper.com.au/pds.

    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 unisuper.com.au/fees 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 unisuper.com.au/join.

    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 one of Australia’s largest investors in ESG-themed strategies and proud of it.

We’re committed to achieving net zero absolute carbon emissions in our investment portfolio by 2050. And today, you can invest your super in our range of sustainable, competitive ESG-focussed options.

An award-winning fund 

Super is what we do. We’re recognised as one of the best super funds in Australia.

We’ve won a string of awards and high ratings from Australia’s top ratings and research agencies including .SuperRatings 2021 MySuper of the Year and Chant West super fund of the Year 2019§ .

Chant West Pension Fund of the Year 2021
Chant West Advice Services Best Fund 2020 winner
Chant West Best Fund: Advice Services 2020
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Chant West Super 2020: Highest Quality Fund
Chant West award logo
Chant West Super Fund of the Year 2019
SuperRatings 2021 MySuper of the Year
SuperRatings 2021 MySuper of the Year
Money Magazine Best Growth Product Award – Sustainable High Growth award logo
Money Magazine Best Growth Super Product 2021: Sustainable High Growth option
Roy Morgan Customer Satisfaction Awards 2020
Roy Morgan Customer Satisfaction Awards: Best Industry Super Fund 2020
SuperRatings 2019 Fund of the year
SuperRatings 2019 Fund of the Year

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.

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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.

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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
    *Past performance is not an indicator of future performance. According to SuperRatings Pty Ltd Fund Crediting Rate Survey released January 2021, the UniSuper Balanced option was ranked 5th over 3 years, 3rd over 5 and 7 years and 2nd over 10 years to 31 December 2020. The rankings are against options with a growth asset ratio between 60 – 76%.

    © Zenith CW Pty Ltd (Chant West) (ABN 20 639 121 403) 2021. This comparison has been prepared by Chant West at the request of UniSuper and is based on information provided by third parties that is believed accurate at the time of publication. 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 March 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.

    The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). 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 uses objective criteria and receives a fee for publishing awards. Visit superratings.com.au for ratings information and to access the full report. © 2021 SuperRatings. All rights reserved.

    §© Zenith CW Pty Ltd ABN 20 639 121 403 (Chant West), Authorised Representative of Zenith Investment Partners Pty Ltd ABN 27 103 132 672, AFSL 226872 under AFS Representative Number 1280401. The criteria used by Chant West to judge its awards are subjective ratings that have been determined by us based on data (including historical financial performance information) supplied by third parties. While such information is believed to be accurate, Chant West does not accept responsibility for any inaccuracy in such data. Chant West does not make any representation or give any guarantee or assurance as to the performance or success of any financial product based on the subjective ratings provided. Past performance is not a reliable indicator of future performance. The Chant West awards do not constitute financial product advice, however, to extent that the awards are considered to be advice, it is General Advice (s766B Corporations Act) only. Chant West has not taken into account the objectives, financial situation or needs of any specific person. It is not a specific recommendation to purchase, sell or hold any product(s) and is subject to change at any time without prior notice. Individuals should consider the appropriateness of any advice in light of their own objectives, financial situations or needs and should obtain a copy of and consider any relevant PDS or offer document before making any decision. Awards are subject to copyright and may not be reproduced, modified or distributed without the consent of the copyright owner. Except for any liability which cannot be excluded, Chant West does not accept any liability whether direct or indirect, arising from use of the awards. Awards displayed for previous years are for historical purposes only. Full details regarding Chant West’s research methodology, processes, ratings definitions are available at www.chantwest.com.au and Chant West’s Financial Services Guide is available at www.chantwest.com.au/financial-services-guide.

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