Compare super funds
A high-fee, low-return fund can cost you hundreds of thousands by retirement. See how your fund's 10-year returns and fees compare — on the latest APRA data.
AustralianSuper — AustralianSuper MySuperVisit website
7.95%a year over 10 years
Above the 7.68% median — #18 of 48Had your $50,000 grown at these 10-year returns for 25 years:
Your fund → $338,482 — that's $20,542 ahead of the median fund.
The top performer (Team Super, 8.59%) would have reached $392,388 — $53,906 more.
Fees: $355/yr on a $50k balance vs $405 median — $50 cheaper.
The 1% rule: a fund returning just 1% less each year would leave you about $70,263 poorer over 25 years. Small gaps in fees and returns compound into large differences over long periods.
10-year net return — all funds
APRA CPPP, 10-year returns to 30 June 2025 — every MySuper product in APRA's Comprehensive Product Performance Package, net of investment fees & tax. All passed the 2025 APRA performance test. Age-based lifecycle products have no single 10-year return, so the accumulation stage is shown. Past performance is not a reliable indicator of future returns; the projection just applies each fund's past 10-year return forward. Not financial advice.
Most Australians are defaulted into a MySuper product by their employer and never look at it again. That inertia is expensive: every MySuper product does the same basic job — investing your compulsory contributions until you retire — yet the spread between the strongest and weakest ten-year net returns is wide enough to change what retirement looks like.
This page sets your fund's ten-year net return and total fees beside every other MySuper product APRA publishes, then converts the difference into dollars on the balance you already have — same regulator, same reporting date, same definitions.
How this is calculated
- 1
Your product is looked up, not estimated
Picking your MySuper product pulls two figures straight from APRA's Comprehensive Product Performance Package: the ten-year net investment return a year, and total fees and costs on a $50,000 balance, both as at 30 June 2025.
- 2
Your balance compounds forward three ways
The balance you enter grows at a flat rate for the years you give — once at your fund's return, once at the median MySuper ten-year return of 7.68%, and once at the highest return in the table. Nothing is added along the way, so the gaps isolate the fund itself.
- 3
One percentage point gets priced
The projection runs again with your fund's return cut by one percentage point. That is the 1% rule figure: what a gap you would barely notice year to year takes off your balance.
- 4
Fees are scaled to your balance
Each fund's $50,000 fee is converted to a share of balance and applied to yours, driving the annual fee and the compounded fee gap in the advanced section. The median MySuper total fee on $50,000 is $405 a year.
What it assumes
- Past returns are applied forward at a flat annual rate. Real returns are nowhere near that smooth, and past performance is not a reliable indicator of future returns.
- Nothing is added to your balance — no employer contributions, no salary sacrifice, no inflation adjustment. It is a comparison between products, not a retirement forecast.
- APRA's return is already net of investment fees and tax, while the fee figure includes administration. The two overlap, so a return gain and a fee saving cannot simply be added together.
- Fees scale linearly from the $50,000 figure, so a fund with a fixed dollar administration fee is really dearer than shown on a small balance and cheaper on a large one.
- Some products have no single clean number: lifecycle products are shown at their accumulation stage, and products too new for a ten-year history are marked as having no track record rather than zero.
- Only MySuper default products are covered — not choice investment options, retirement-phase products or self-managed funds.
Common questions
Is the fund with the highest ten-year return simply the best one?
Not automatically. Ten years is long enough to mean something, but it covers one particular run of markets, and MySuper products do not all hold the same mix of growth and defensive assets. One weighted towards growth should beat a conservative option through a long rally and fall harder in a downturn.
What exactly is MySuper?
MySuper is the regulated default product your employer pays into when you have never chosen an investment option yourself. Every APRA-regulated fund that accepts default contributions has to offer one, and those products are what this page compares. If you have picked your own investment mix, your returns will differ from your fund's MySuper figure.
Are fees already taken out of the returns shown?
Investment fees and tax are — that is what makes it a net investment return. Administration fees are not, which is why the fee column stands on its own. A strong return can be eaten into by a high administration fee, and a cheap fund is no bargain if it lags the field.
My fund is below the median. Should I switch?
That is your decision, and this page is general information rather than advice. Before moving, check any insurance cover you hold through the fund — it generally does not follow you, and you may not be able to replace it on the same terms.
Sources: APRA MySuper product performance (CPPP), 30 June 2025 · All data sources
See also: Super fund fees · Project your super · Am I on track? · Boost my super
General information only, not financial advice. Figures are estimates based on the inputs and assumptions above and don't account for your personal circumstances. Confirm anything important with the relevant authority or a licensed adviser.