Australia's best performing super funds

How QSuper compares to other top super funds

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When members come first, we all win1

Australia's best performing super funds

How QSuper compares to other top super funds

Join now Log in

When members come first, we all win1

Finding a super fund that tops the charts when it comes to investment returns can give you peace of mind both before and after retirement, but lists of the top 10 super funds can vary depending on the timeframe or source used. Here's what to consider when comparing the top super funds.

What to look for in the best super fund

When looking for the best superannuation fund in Australia, you should be looking for the fund that can offer you the best mix of:

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Lower fees

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Stronger performance

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Insurance through super

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Investment options

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Customer service.

Performance

The best super funds give strong returns

Your retirement savings are the investment of a lifetime, so ASIC's MoneySmart says to compare super funds' performance over at least 5 years. How a top super fund performed last year doesn't guarantee their future results.

Looking at QSuper's long-term results, the Balanced investment option for our Accumulation account has produced strong returns with fewer ups and downs over the past 10 years.2

10-year annual return - Balanced option3

8.61% p.a.

As at 30 June 2021

Super rating award logo

15-year platinum performance
SuperRatings Platinum Performance rating 15 years in a row

Our performance
Fees

The best super funds have low fees

Keeping fees low makes a big difference to how much you end up with when you retire. When comparing the top 10 super funds, consider whether they offer value for money.

That's why our fees are among the lowest in the country,4 and our members don't pay any transaction or switching fees.5

Select account balance

 

$350 QSuper annual fee

 

$610 Average annual fee

SuperRatings Fundamentals Report, 31 August 2021. For the QSuper Balanced option.6
Our fees

We're ranked top for member satisfaction

Our members have ranked us the #1 fund for member satisfaction with financial performance, across the 15 largest super funds.7

View all awards and ratings
  • QSuper
  • Unisuper
  • Cbus
  • AustralianSuper
  • HESTA
  • VicSuper
  • CARE Super
  • HOSTPLUS
  • First State Super
  • MLC
  • Sunsuper
  • Colonial First State
  • REST Super
  • BT
  • AMP

  • 50%

    60%

    70%

    80%

    90%

Source: Roy Morgan Single Source (Australia), 6 months to April 2021.

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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, we offer a variety of options to choose from.

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Flexible insurance

You can personalise your QSuper insurance (if eligible) to suit your needs so that you can protect your current and future financial security.

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Financial advice

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

Find out more

The best super funds make it easy

Manage your super your way, with our mobile app and Member Online for desktop. Our tools are simple and secure, so keeping your super on track is not a hassle.

Self service screen shots

Compare the top performing super funds

Now that you know what to look for, you can use this comparison tool to see how QSuper stacks up against more than 200 other superannuation funds.

Note: This super fund comparison tool is maintained by SuperRatings. This tool is updated quarterly and may not reflect very recent product changes.
Young woman on computer

1. 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 www.superratings.com.au for ratings information and to access the full report. © 2021 SuperRatings. All rights reserved.
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.
Money magazine awards are solely a statement of opinion and do not represent a recommendation to purchase, hold, or sell this product, or make any other investment decisions. Ratings are subject to change. Past performance is not a reliable indicator of future performance. Go to
moneymag.com.au for details of its ratings criteria.

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. Chant West Super Fund Fee Survey, March 2021. The Chant West data is based on information provided by third parties that is believed to be accurate. Chant West does not issue, sell, guarantee, or underwrite this product. The findings are based on account balances of $25,000 and $50,000. Only administration and investment fees and costs are covered. Fees are gross of income tax. Go to chantwest.com.au for further information about the methodology used and Chant West's Financial Services Guide. For the QSuper investment options: Lifetime option Focus 1, Aggressive, Balanced, and Moderate.

5. Excludes the Self Invest option.

6. The annual fee for QSuper Balanced options 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 2021. 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, 31 August 2021. 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. Past performance is not a reliable indicator of future performance.

7. Roy Morgan, Superannuation Satisfaction: Satisfaction with Financial Performance of Superannuation in Australia. 6 months to April 2021, n=19,117. Base: Australians aged 14+ with work based or personal superannuation. 15 largest super funds based on customer numbers.

8. 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.

9. 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.