Set yourself up for an exceptional retirement

A Personal Account is easy to manage, and you can take it with you from job to job. Boost your super savings with extra contributions at any time while enjoying low administration fees and all the benefits of being with UniSuper.

To join us, you need to be living in Australia and over age 15.

Learn more about how UniSuper created the Personal Account product to allow more members to join.


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Investment choice

Choose from a range of investments, including high growth and sustainable options.

Person and upward trending graph on white board

Insurance to suit you

We offer insurance to protect you financially through life’s most difficult times.

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Lifetime flexibility

When the time comes, you have a range of retirement and pension products to choose from.


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

Different investment options have different costs, so make sure you read the Personal Account Product Disclosure Statement (PDF, 1.6 MB) and the Fees and costs booklet (PDF, 584 KB) 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 Personal Accounts in the Product Disclosure Statement (PDF, 1.12 MB) and read if this product has been designed for someone like you in the Target Market Determination (PDF, 170 KB). You can also download the SuperRatings Fundamentals report (PDF, 1.12 MB) to see how SuperRatings rates our Personal Account product.
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