Super is a savings plan for your retirement

While your superannuation is put aside for the future, it shouldn’t be out of your mind until then. Decisions you make about your super throughout your working life can shape the kind of lifestyle you have when you’re older. Knowing how it all works can give you the best chance of having the retirement of your dreams.

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Your employer pays your super

At least 11% of your salary goes to super. You can also add extra money to help grow your savings.
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Your super stays invested

Your super generates returns throughout your life. Depending on your product, you can choose how some or all your super is invested.
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Your super can include insurance

Depending on your account and preferences, you could have death, disability, and income protection cover.

Set your super up to work

Bring your other super over to UniSuper

More than one superannuation account can mean more fees and less super savings for you. So it could make sense to keep your super together.*
It’s easy and you can do it online in minutes.

We have options for every type of investor

We offer pre-mixed investments for your superannuation chosen by our experts, or you can build and manage your own portfolio with sector options. Explore each option in detail to see the risk level, expected frequency of negative returns and asset allocations.

Protect you and your family through life's most difficult times

With UniSuper, your superannuation may automatically include insurance. You may be able to add it on, or top it up with extra insurance to give you cover that’s tailored to your needs.

Who will get your super if it outlives you?

Save your loved ones time and stress by letting us know who you want to leave your superannuation to.

Fees and costs

We work hard to bring you great super with low fees.

Our fees cover the costs of managing your account and investments.

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    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

    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 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

    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.

Get on top of your super

Add more to your super
If you can afford to, putting some extra money into your superannuation now could give you the lifestyle you want in retirement. It’s never too late to start and it’s easy to do.
Changing jobs?

You can stay with UniSuper when you change jobs, even if you change industries. You'll just need to provide your new employer with a few details to have your super paid into your UniSuper superannuation account.

Manage your super
Get control of your superannuation. Nominate a beneficiary, change your insurance, combine your super from other funds and check if you're eligible to access your super early. 
Compare UniSuper
We’re one of Australia’s largest member-first super funds. Learn more about our performance and low fees.
Explore our learning hub 
Our free webcasts are available live and on demand, you’ll also find a range of articles and self-paced video modules which are a great way to learn about superannuation, retirement and financial wellbeing.

Super Guarantee (SG) rate

The SG rate is the minimum amount your employer pays into your fund if you’re eligible for super payments.

The SG rate is set to gradually increase to 12%.

Financial years Minimum SG contribution rate (%)
1 July 2014 to 30 June 2021 9.5
1 July 2021 to 30 June 2022 10
1 July 2022 to 30 June 2023 10.5
1 July 2023 to 30 June 2024
 1 July 2024 to 30 June 2025  11.5
 1 July 2025 onwards  12
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