Great value super that offers choice and flexibility

An Accumulation 2 super account gives you greater control of your investments, contributions and insurance, letting you shape your super to suit you.

This product is open to anyone who’s had a Defined Benefit Division account for less than 2 years.



Flexible contributions

You can change how much you contribute from your salary at any time. Boost your super or have some extra money to spend or save.


Investment choice

Control where you invest your super. Pick from a range of investments, including high growth and sustainable options.


Insurance to suit you

You'll have death and disablement cover (if eligible), with the option to add income protection too. Change your cover to suit your needs anytime.


Our fees cover the costs of managing your account and investments. Some are deducted from your account balance and some from your investment returns. 

Different investment options have different costs, so be sure to read the Product Disclosure Statement (PDF, 2.5 MB) for the full details of what you pay and how.

Summary of fees you may pay based on the Balanced (MySuper) investment option.

Type of fee Amount
Administration fees and costs1 $96 or 2% of your account balance (whichever is less) per year (maximum $8 per month).
Investment fees and costs2,3,4 0.42%1 per year
Transaction costs2,4,5 0.09% per year
  • Things you need to know

    1 If your account balance is less than $6,000 at the end of UniSuper's income year, certain fees and costs charged to you in relation to administration and investment are capped at 3% of the account balance. Any amount charged in excess of that cap will be refunded.

    2 The investment fees and costs and transaction costs shown are indicative only and are based on the investment fees and costs and transaction costs for the year ended 30 June 2023, including several components which are estimates. The actual amount you’ll be charged in subsequent financial years will depend on the actual fees and costs incurred by the Trustee in managing the investment option. Investment fees and costs include an amount of 0.03% for performance fees. The calculation basis for this amount is set out in the product disclosure statement. See more about investment costs.

    3 Refer to ‘Additional explanation of fees and costs’ in the product disclosure statement.

    4 The investment fees and costs and transaction costs for other investment options are set out in the product disclosure document. They are calculated on the same basis, and paid at the same frequency and in the same manner as the Balanced investment option.

    5 For the financial year ended 30 June 2024, the investment fees and costs for this option are expected to increase by 0.07%.

Document download
Find out more about Accumulation 2 in the  Product Disclosure Statement (PDF, 2.5 MB), and read if this product has been designed for someone like you in the Target Market Determination (PDF, 173 KB). You can also download the SuperRatings Fundamentals report (PDF, 1.12 MB) to see how SuperRatings rates our Accumulation 2 product.

How to transfer to Accumulation 2

You can transfer to the Accumulation 2 product from the Defined Benefit Division (DBD) any time within 2 years of joining. Remember, you can only make this choice once.
If you do transfer, you can’t go back the DBD.

If you’re unsure what’s best for you, we recommend contacting us or seeking financial advice before making your decision


Compare Accumulation 2 with the DBD

See how Accumulation 2 and the DBD compare and find out which product might suit you.
Document download

Ready to transfer?

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