Finding the best super fund for you can give you the confidence to enjoy today by taking control of your tomorrow. When it comes to feeling better about your financial security and retirement goals, it's worth taking the time to compare the best super funds before making a choice. There's a lot to consider, including how well the fund performs, how much you'll pay in fees, and what services and benefits are available.

The best super funds focus on the long term

Your retirement savings will be built over a lifetime, so when choosing the best super fund for you, MoneySmart says not to chase last year's best-performing super fund.1 Instead, look at long-term investment returns, as they give a more complete picture of how a super fund is tracking.

An industry leader in 10-year investment performance

The Balanced investment option for our Accumulation account has produced strong returns with fewer ups and downs over the past 10 years.2

This result is driven by a unique investment approach that aims to provide market-leading growth with less risk.

8.61% p.a.

10-year annual return - Balanced option 3
As at 30 June 2021

 super rating 15 year performance
$320annual fee
$643annual fee

The best super funds have fair and competitive fees

Superannuation funds have different fees and they can all affect your balance now and into retirement. When deciding which super fund is best for you, make sure you take into account all the fees and costs that apply.

We're profit for members

Because we’re a profit-for-members fund, you can be assured that we’re working in your best interests, not someone else's. We also believe in keeping fees low. With QSuper, you don’t pay any transaction or switching fees.4

$0 Fixed yearly fee
$0 Investment switching fees
$0 Withdrawal fees
   

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If you decide QSuper is the best super fund for you, join half a million Australians who are already enjoying the QSuper feeling.

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The best super funds offer choice and guidance

While fees and investment returns are important considerations, it's also a good idea to see what other services and benefits are available. Depending on what's important to you, check if the fund offers flexible investment and insurance options, and access to assistance through calculators, seminars and financial advice.

 

A range of investment options

Whether you want us to manage your investments, or you want to select your own investment strategy, QSuper offers a variety of options to choose from.

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Flexible insurance

You can personalise your QSuper insurance cover to suit your needs so that you can protect your current and future financial security.6

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Tailored advice

QSuper members have access to professional financial advisers who can help them make a plan right now, to feel confident in the future.

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Compare super funds

If you'd like to see how QSuper measures up, use SuperRatings' comparison tool to see how we compare to other superannuation funds in the areas of:

  • Investment performance and options
  • Fees and charges
  • Member services
  • Insurance

The SuperRatings comparison tool is an impartial fund rating system that includes more than 200 funds.

Note: The comparison tool is maintained by SuperRatings. Currently the tool does not reflect recent changes to QSuper’s insurance cover.

Award-winning

Super Ratings Fund of the Year 2021

Fund of the Year

We offer our members the best value for money in the country.8

chant west pension of the Year

Pension Fund of the Year

Our Income account has won this award five times for excellence in investments, services, fees, and more.7

Super Ratings 15 year platinum performance

15-year Platinum performance

Since 2006, our Accumulation account has received the Platinum performance rating.8

Open an account today

If you decide QSuper is the best super fund for you, join half a million Australians who are already enjoying the QSuper feeling.

Open account

1. Source: MoneySmart. Accessed 21 June 2019.
2. SuperRatings Fund Crediting Rate Survey, April 2021. SR50 Balanced Index (60-76). Past performance may not be a reliable indicator of future performance. Based on cumulative returns compounded annually after fees and taxes excluding fixed administration, contribution, switching fees and insurance premiums. SuperRatings does not issue, sell, guarantee, or underwrite this product. Ratings, awards or investment returns are only one factor that you should consider when deciding how to invest your super. Go to www.superratings.com.au for details of its ratings criteria.
3. Past performance may not be a reliable indicator of future performance. QSuper’s Accumulation account, Balanced Option only. The return is an compound annualised return reflected after administration fees, investment fees, and tax. Disclosed/reported investment returns reflect the returns of the fund and not member returns of the investment options, as they do not take into account the timing of contributions, investment switches, or withdrawals.
4. Excludes the Self Invest option.
5. The annual fee for QSuper Balanced option comprises of the investment fee, indirect cost ratio, and admin fee (%p.a.), which are based on the fees and costs for the financial year ended 30 June 2020. The total fees and any other applicable fees are deducted daily from the unit price before the unit price is declared, and may differ from future fees and costs. The average super fund annual fee is modelled on a small ($500K) employer size and is sourced from SuperRatings Fundamentals Reports, 30 June 2020. SuperRatings does not issue, sell, guarantee, or underwrite this product. Go to superratings.com.au for details of criteria used. Past performance is not a reliable indicator of future performance.
6. Eligibility conditions apply. Refer to the Accumulation Account Insurance Guide (pdf).
7. The Chant West ratings logo is a trademark of Chant West Pty Limited and used under licence. It is only current at the date awarded by Chant West. The rating and associated material is only intended for use by Australian residents within the jurisdiction of Australia, and is not permitted to be considered or used by a party outside of Australia. Chant West does not issue, sell, guarantee, or underwrite this product. For further information about the methodology used by Chant West, see chantwest.com.au. Chant West has given and has not withdrawn its written consent to the inclusion on this website of the references to Chant West and the inclusion of the ratings logo or rating in the form and context in which they are included. Past performance is not a reliable indicator of future performance. Awards and ratings are only one factor when deciding how to invest your super.
8. The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit superratings.com.au for ratings information and to access the full report. © 2021 SuperRatings. All rights reserved.