Long-term returns that outperform

We're a top performer. Our Balanced option outperformed the industry median of 6.80% p.a. with a return of 7.75% p.a. over 10 years to 31 December 2023.1

Industry-leading low fees

Our default Balanced option ranks in the industry’s top three for lowest fees2. And no profits to shareholders means more for members.

Past performance is not an indicator of future performance.

Lower fees, greater super

Low fees and strong long-term performance for a better tomorrow.
Net outcomes

Over 3 yrs Over 10 yrs Over 15 yrs
UniSuper $9,371 $73,177 $169,358
Retail Master Trust median $8,677 $56,638 $132,057
Median $9,833 $62,222 $151,084

Net outcomes help you compare how much super balances increase over times, after fees and other charges are taken out.# This table shows that a member with a starting balance of $50,000 invested in our default Balanced option would be $18,274 better off over 15 years than the industry median, and $37,301 better off than the Retail Master Trust median.

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    More info about net outcomes

    # Source: SuperRatings Net Benefit report for 31 December 2023, data extracted on 21 February 2024. This table compares the net outcome of UniSuper's default Balanced (MySuper) investment option and the other funds' balanced options with a similar risk profile. It assumes employer contributions on a starting balance of $50,000 and annual salary of $50,000 and takes into account historical investment earnings (after administration and investment fees and taxes). Net outcome refers to investment earnings to 31 December 2023 (less administration and investment fees and costs). Past performance is not an indicator of future performance.

    The SuperRatings net benefit calculation assumes the following:

    1. a starting super balance of $50,000
    2. an annual starting salary of $50,000
    3. salary growing at 3.5% p.a at the end of each year
    4. applying effective annual returns at end of each financial year
    5. after-tax quarterly SG contributions made at the end of each calendar quarter, and is based on actual SG contribution rates of the relevant year
    6. contribution tax of 15%
    7. fees and investment returns determined annually based on data from product disclosure statements.

    The assumption does not consider any additional salary sacrifice or voluntary contributions, nor the cost of insurance premiums.

Multi-award-winning super

Our reputation is built on 40 years of experience. We’re recognised as one of Australia’s best performing super funds for the long term, with a record of strong returns across a range of investment options.*

We’re proud to be Money magazine’s Best Pension Fund for both 2023 and 2024, Best Growth Super Product in 2024, and for the third year running, Best Shares ESG Superannuation Product. We’re also the winners of Canstar’s Most Satisfied Customers Award in 2023, and their Outstanding Value Award in 2022, 2023 and 2024.4

More reasons to choose UniSuper

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Personalised advice

Get access to expert financial guidance through every stage of life, from starting your first job to entering retirement.

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In-house management

Trust us to act fast on opportunities other funds may miss thanks to 70% of our investments being managed in house.

A money plant

Responsible investing

Invest for tomorrow with three sustainable and environmental branded options certified by the Responsible Investment Association of Australasia (RIAA).5

Ready to join?

Start enjoying the benefits of one of Australia’s greatest superannuation funds. Apply online today with just your contact details.

What our members say

Have been with UniSuper for over 25 years and found them to be very genuine, reliable and member focused with excellent results.


My husband and I retired totally under-prepared. UniSuper helped plan and implement a strategy for a comfortable lifestyle.



The fund's management of my investments has resulted in steady gains over the years to give me financial comfort in my retirement.



  • Important things you need to know

    Past performance is not an indicator of future performance. Option returns are calculated net of investment expenses and taxes but are gross of account-based fees. The median return data is based on SuperRatings Pty Ltd's Fund Crediting Rate Survey December 2023, Balanced (60-76) Index, released 19 January 2024 (without taking into account any subsequent revisions).

    Source: © Zenith CW Pty Ltd (Chant West) (ABN 20 639 121 403) 2023. Chant West Super Fund Fee Survey December 2023 comparing administration and investment fees and costs of the UniSuper Balanced investment option as ranked in Chant West’s Growth [61-80%] investment risk category against 74 similar investment options for other funds within the same investment risk category. 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 and costs include all administration-related fees and costs including costs paid from reserves, investment fees and costs include fees charged (including performance fees) and any indirect costs and accordingly data contained in the survey may differ from data shown in other published materials. The comparison is for the UniSuper Balanced option only – rankings may differ for other investment options. UniSuper Balanced option ranks in the top three for lowest total yearly fees, for account balances of $50k and over. Fees may change in the future which may affect the outcome of this comparison.

    As at 31 December, 2023.

    Learn more about our awards.

    Sustainable and environmental investing mean different things to different people. Different products have different investment criteria. Read our website to find out what sustainable and environmental investing means to us and what our products invest in. The Responsible Investment Certification Program does not constitute financial product advice. Neither the Certification Symbol nor RIAA recommends to any person that any financial product is a suitable investment or that returns are guaranteed. Appropriate professional advice should be sought prior to making an investment decision. RIAA does not hold an Australian Financial Services Licence. Past performance is not an indicator of future performance. Consider the PDS and TMD on our website and your circumstances before making decisions, because we haven’t. Read the full disclaimer.

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