Investing for the long term
There’s a reason we’re considered one of Australia’s best super funds.1 With our default Balanced option having some of the lowest fees in the industry2 and an experienced in-house investment team, we focus on the long term to help you create a future worth retiring for.
Our mix of options gives you real choice in how to invest your superannuation. You can stay with our default Balanced (MySuper) option, select from our pre-mixed options, or design your own investment strategy. We also offer three sustainable and environmental branded options,3 certified and classified as ‘Sustainable Plus’ by the Responsible Investment Association Australasia (RIAA).4
Compare investment option performance
Choose between our super and transition to retirement (TTR) or pension-based options below to see their performance over time. When you compare super performance, remember that past performance isn’t an indicator of future performance. Please note that investment performance refers to the investment return of our investment options excluding fees and other deductions.
A record of strong long-term returns*
Over the 10 years to 31 December 2024, our Balanced option outperformed the industry median of 7.01% p.a.5 with a return of 7.92% p.a. It also delivered a return of 11.72% over the year to 31 December 2024.
Over 70% of funds managed in-house
Our super fund performance is driven by an experienced investment team that manages approximately 70% of our investments in-house. Dedicated investment managers help us to have lower fees and act fast on opportunities.
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Multi award-winning super
We’re proud to be a RIAA 2023 Responsible Super Fund Leader and to have earned the Rainmaker ESG Leader Rating 2023 and 2024. We’re also Money magazine's Best ESG Super 2022-2025.
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Things you need to know*Past performance is not an indicator of future performance. Option returns are calculated after investment expenses and taxes, but before account-based fees are deducted. Returns applied to your account depend on your chosen investment option(s), how long you've been invested, and the timing of cash flows in to and out of your account.
1UniSuper is recognised as one of Australia’s best super funds, winning multiple awards and high ratings for performance, value and service, from some of Australia’s top superannuation research and ratings houses.
Awards:
SuperRatings' Retirement Offering of the Year 2025, Fund of the Year 2024, Sustainable Recognised 2025.
Money magazine's Best Pension Fund 2025, 2024, 2023 and Best Super Fund 2022.
Chant West's Super Fund of the Year 2023 and 2022 and Best Fund Advice Services 2022.
Canstar's Outstanding Value Award Superannuation 2025, 2024, 2023 and 2022.
2Source: December 2024 Chant West Super Fee Survey. © Zenith CW Pty Ltd ABN 20 639 121 403, AFSL 226872/AFS Rep No. 1280401. Third-party data does not contain all information required to evaluate the nominated service providers. To the extent that any Information provided is advice, it is limited to General Advice only and has been prepared without considering the objectives or financial situation of any individual, including target markets where applicable. It is not a recommendation to purchase, sell or hold any product and is subject to change at any time without notice. Individuals should seek independent advice and consider the PDS or offer document before making any investment decisions. Data is provided in good faith and is believed to be accurate, however, no representation, warranty or undertaking is provided in relation to the accuracy or completeness of the data. Data is 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 data. Past performance is not an indication of future performance. Refer to www.chantwest.com.au for full details on Chant West’s research methodology, processes and FSG.
UniSuper’s Balanced investment option ranked in the top quartile for lowest fees for account balances of $50k, $100k, $250k, $500k and $750k, when compared to 67 other balanced options in the Chant West Super Fund Fee Survey for December 2024.
3Sustainable and environmental investing means different things to different people. Different products have different investment criteria. Read our sustainable and environmental branded options page and How we invest your money (PDF, 1.27 MB) document to find out what sustainable and environmental investing means to us and what our investment options invest in.
4Our sustainable and environmental branded investment options have been certified and classified by the Responsible Investment Association Australasia according to the operational and disclosure practices required under the Responsible Investment Certification Program. See www.responsiblereturns.com.au.
The Responsible Investment Certification Program provides general advice only and does not take into account any person’s objectives, financial situation, or needs. Neither the Certification Symbol nor RIAA recommends to any person that any financial product is a suitable investment or that returns are guaranteed. Because of this, you should consider your own objectives, financial situation and needs and also consider the terms of any product disclosure document before making an investment decision. Certifications are current for 24 months and subject to change at any time.
5Based on the long-term performance of UniSuper’s Balanced option—over the 10 years to 31 December 2024, the Balanced option returned 7.92% p.a., which was above the industry median of 7.01% p.a. published by SuperRatings Pty Ltd in the Fund Crediting Rate Survey December 2024 (Balanced 60-76 Universe), released 20 January 2025, and without taking into account subsequent revisions.
Applying investment returns
Investment returns can be positive or negative and are applied by calculating a specific crediting rate for each investment option, net of tax, investment fees and costs. Read more about crediting rates.
Graph and CSV (applies to Graph View)The graph and CSV download combines daily interim crediting rates to determine the cumulative return for each investment option. The cumulative return may change when final crediting rates are applied.
Effective 28 March 2025, GEO’s investment strategy and suggested timeframe was changed. Performance prior to 28 March 2025 is provided for consistency purposes only—the historical performance data shown related to the previous strategy and should not be used to assess past or future performance of GEO.
Super and transition to retirement investment performance (applies to Graph View)Tax applies to Flexi Pension investment returns taken under transition to retirement (TTR) rules (since 1 July 2017).
Refer to the ‘Pension’ tab for investment performance of TTR accounts before 1 July 2017.
Refer to the ‘Super and transition to retirement’ tab for investment performance after 1 July 2017.