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Do superannuation fees make a difference?

The fees and costs on your super account make a big difference. Higher fees will generally eat into your hard-earned savings – meaning less money for you to spend in retirement.

For example, the Productivity Commission found an increase in fees of just 0.5% can cost a typical full-time worker about 12% of their balance (or $100,000) by the time they reach retirement.

Looking for low fees and strong performance today can give you more confidence in your financial future.

View our fees  
Our admin fees

From 1 July 2022, our admin fee is now $1.20 per week + 0.10% p.a. + 0.07% p.a. from general reserves (not your account).

Annual fee cap

We only deduct the percentage administration fee of 0.10% p.a. on the first $800,000 of your account balance.

We're profit-for-members

We don’t pay shareholders, which means we can give back profits to members as lower fees and better services.

Is the cheapest super fund worth it?

Low fees are important to think about when picking a super fund, but investment performance also matters.

We're proud of our Balanced option's Platinum performance rating, 20 years in a row.1 Its returns put it in the top 3 balanced options surveyed over 7 and 10 years to 30 June 2023.2

Each of our investment options matches a different range of objectives that members have for their superannuation, and each has different fees and costs. See our Product Disclosure Statement and Guides for details.

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8.4% p.a. performance

10-year annual return – Balanced option3

As at 30 June 2023

Our performance
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Compare super funds by fees

You can use Chant West's AppleCheck to easily compare super funds by both fees and benefits.

Compare us with AppleCheck

Make the most of your membership

Your membership includes a wealth of value. Make sure you're checking the member discounts on offer, or find out more about our member webinars and financial advice.

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 for ratings information and to access the full report. © 2023 SuperRatings. All rights reserved.

2. The Australian Retirement Trust Super Savings Balanced option has adopted the pre-merger investment strategy of the Sunsuper Balanced option. Past performance is not a reliable indicator of future performance. Investment returns are net of investment fees and costs and where applicable investment taxes. Source: SuperRatings Fund Crediting Rate Survey – SR50 Balanced (60-76) Index, 30 June 2023.

3. Past performance may not be a reliable indicator of future performance. The Super Savings Accumulation account, Balanced Option only. The return is an compound annualised return reflected after fees and costs, and tax. Disclosed/reported investment returns reflect the returns of the investment option and not individual members, as they do not take into account the timing of contributions, investment switches, or withdrawals.