We're transparent with our fees
Did you know the less you pay in fees on your super account, the more money you could have in retirement? That's why it's important to understand what you can expect to pay.
We're a fund for all Australians
As a members-first fund, we're committed to returning profits back to you as better services and lower fees.
Fee calculator
Estimate the fees you'll pay each year based on your super balance and investment mix.
Outstanding value super and retirement
We've won multiple awards over many years for outstanding value for money.
Our fee structure
The total amount you pay per year is made up of admin and investment fees and costs, and transaction costs. We call the amount you pay the 'cost of product'. Investment fees and costs also include performance fees, which may change depending on how your investments perform.
Admin
fees and costs
+
Investment fees and costs and transaction costs
(incl. performance fees)
=
Cost of product
(amount you pay)
Unsure of your Investment option? Log in to Member Online or you can view all our options.
Admin fees and costs
If you hold an Accumulation or Income account with us, we'll charge you a flat weekly dollar fee of $1.20. We'll also charge you a percentage fee of 0.10% p.a. on the first $500,000 of your account balance. If you have more than one account with us, you'll pay admin fees separately for each account.
This means the most we'll charge you for admin fees per year per account is $562.40.
Dollar fee
$1.20
per week
+
Percentage fees
0.10%
p.a. on the first $500,000 of
your account balance.
+
0.05% p.a.*
Costs met from reserves
*When the admin costs exceed member admin fees collected, we meet these costs from our general reserve, not from your account balance or investment returns. We estimate this amount as 0.05% for the year ending 30 June 2025.
Investment fees and transaction costs
Investment fees and costs are what we charge to manage each investment option. These include performance fees which we estimate as an average of the last 5 financial years.
This means the actual investment fees shown on your annual statement may be higher or lower than the forecasts in the tables below, depending on how your investments perform.
Transaction costs may include brokerage, settlement and clearing costs, and stamp duty. Read the PDS that applies to you for more information.
Automatic
Lifecycle Investment Strategy
Our default option is designed so you don't have to do anything. We automatically change your investment strategy as you age. This means how much you pay depends on how much of your super balance is invested in each of the pools. Learn more.
| Investment pool | Investment fees and costs (p.a) | Transaction costs (p.a.) | Total % (p.a) |
|---|---|---|---|
| High Growth Pool | 0.64% | 0.06% | 0.70% |
| Balanced Pool | 0.59% | 0.06% | 0.65% |
| Cash Pool | 0.07% | 0.00% | 0.07% |
Your choice
Diversified options
If you want more control over your investment strategy, you can choose from our ready-made investment options. You'll get diversification by investing in a few different asset classes at once. Learn more.
| Investment option | Investment fees and costs (p.a.) | Transaction costs (p.a.) | Total % (p.a) |
|---|---|---|---|
| High Growth | 0.64% | 0.06% | 0.70% |
| Balanced | 0.59% | 0.06% | 0.65% |
| Conservative-Balanced | 0.57% | 0.06% | 0.63% |
| Conservative | 0.54% | 0.06% | 0.60% |
| Balanced Risk-Adjusted | 0.41% | 0.05% | 0.46% |
| Socially Conscious Balanced | 0.58% | 0.08% | 0.66% |
| High Growth Index | 0.08% | 0.00% | 0.08% |
| Balanced Index | 0.08% | 0.00% | 0.08% |
Mix and match
Asset class options
If you want to further diversify your investment strategy, our indexed and single asset class options are separate investment groups you can mix and match to suit your needs and risk profile. Learn more.
| Investment option | Investment fees and costs (p.a.) | Transaction costs (p.a.) | Total % (p.a) |
|---|---|---|---|
| Australian Shares Index | 0.08% | 0.00% | 0.08% |
| International Shares Hedged Index | 0.09% | 0.01% | 0.10% |
| International Shares Unhedged Index | 0.09% | 0.01% | 0.10% |
| Listed Property Index | 0.08% | 0.02% | 0.10% |
| Unlisted Assets | 1.65% | 0.08% | 1.73% |
| Bonds Index | 0.08% | 0.00% | 0.08% |
| Cash | 0.07% | 0.00% | 0.07% |
Let's break it down further
If you invested $50,000 in the Super Savings Lifecycle Investment Strategy and 100% of it was invested in the High Growth Pool at the beginning of the 2025-26 financial year, here's what you could expect to pay.
Admin fees and costs
Fees & costs (dollar + percentage)
$62.40 + $75
($1.20 p.w.) + (0.10% p.a. + 0.05% p.a.)1
+
Investment fees and costs
Fees and costs (inc. performance fees) + transaction costs
$325 + $25
(0.65% p.a.) + (0.05% p.a.)
=
Cost of product
(per year)
$487.40
Combine your super
Do you have super with more than one super fund? You could be paying multiple fees and insurance premiums.
Every cent counts when it comes to your retirement, so why not bring all your super together?
Before you combine your super, think about if it's right for you. You may lose access to benefits such as insurance or pension options, and you need to consider any tax impacts.
Low balance fee cap
If your account balance is under $6,000, your admin fees and investment fees and costs (inc. transaction costs), are capped at 3% of your account balance.
We'll refund any amount already charged above the cap.
Note: this excludes any costs met from reserves.
FAQ about fees and costs
Other fees and costs
Insurance
If you're eligible, you can get insurance cover with your super. The cost of insurance (premiums) are taken directly from your account and will change depending on your level of cover, age, and the type of work you do.
Advice over the phone
Getting professional help can make a big difference to your retirement. Advice about your super account with us is included with your membership.2
How much are you paying?
Fees over a lifetime can really add up. Log in to Member Online to check your investment options and calculate how much you're paying in fees.