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.
As a members-first fund, we're committed to returning profits back to you as better services and lower fees.
Estimate the fees you'll pay each year based on your super balance and investment mix.
We've won multiple awards over many years for outstanding value for money.
Our awardsThe 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.
Unsure of your Investment option? Log in to Member Online or you can view all our options.
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.
per week
*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 estimated this amount as 0.05% for the year ending 30 June 2025.
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.
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 | 0.65% | 0.05% | 0.70% |
| Balanced Pool | 0.59% | 0.05% | 0.64% |
| Cash Pool | 0.07% | 0.00% | 0.07% |
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 | 0.65% | 0.05% | 0.70% |
| Balanced | 0.59% | 0.05% | 0.64% |
| Conservative-Balanced | 0.58% | 0.05% | 0.63% |
| Conservative | 0.54% | 0.05% | 0.59% |
| Balanced Risk-Adjusted | 0.42% | 0.05% | 0.47% |
| Socially Conscious Balanced | 0.58% | 0.06% | 0.64% |
| High Growth Index | 0.08% | 0.00% | 0.08% |
| Balanced Index | 0.08% | 0.00% | 0.08% |
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 | 0.08% | 0.00% | 0.08% |
| International Shares Unhedged Index | 0.08% | 0.00% | 0.08% |
| Listed Property Index | 0.08% | 0.02% | 0.10% |
| Unlisted Assets | 1.70% | 0.06% | 1.76% |
| Bonds Index | 0.08% | 0.00% | 0.08% |
| Cash | 0.07% | 0.00% | 0.07% |
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.
Extra fees may apply. If you have insurance, premiums will apply.
The above is an example of annual fees and costs for our Lifecycle Investment Strategy High Growth Pool option. The investment fees include an estimate of 0.29% p.a. for performance fees.
Figures are based on an assumption of a 52-week year. The example is illustrative only and based on the assumptions listed. The actual amount of fees and costs can vary depending on your investment option and other factors. See the relevant PDS for full details.
Investment fees and costs and transaction costs can vary depending on which investment options you choose. See the PDS that applies to you for more details.
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.
Download the PDSIf 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.
From 1 July 2024, we lowered the capped admin percentage fee to 0.10% p.a. on the first $500,000 of your balance. But importantly, we now apply the cap to each account separately.
If you have more than one account with us, this means you'll pay more than one set of admin fees.
Example case study
Elliot holds two accounts with us – a Retirement Income account with a balance of $1 million, and an Accumulation account with a balance of $100,000.
Here's a breakdown of the extra admin fees paid in a year by having two accounts.
| Elliot's admin fees | Retirement Income account with balance of $1,000,000 | Accumulation account with balance of $100,000 |
|---|---|---|
| Weekly dollar fee $1.20 per week |
$62.40 |
$62.40 |
| Capped admin percentage fee 0.10% p.a. up to $500 p.a. |
$500 |
$100 |
| Admin fees per account | $562.40 |
$162.40 |
| Elliot's total admin fees | $724.80 |
If Elliot held one account with us, they'd only pay a maximum of $562.40 p.a. in admin fees. That's $162.40 p.a. less than having two accounts in the example above.
Your admin fees help cover the costs of running the fund. These are different from the investment fees and costs and transaction costs, which you pay for separately depending on your investment choices. Learn more about our fees, or read more about the costs of investing in the PDS that applies to you.
No. You'll only pay one set of admin fees per account you hold with us, not for each investment option you have super in.
Investment fees and costs are what we charge to manage each investment option. These include performance fees.
Because most of our investment options are actively managed by us, they may show higher fees. Some of our diversified and single asset options are passively managed, which follow the performance of a broad market index. As a result, they may show a lower fee.
Investment fees and costs and transaction costs are deducted from the daily unit prices, not from your account. For more information, read the PDS that applies to you.
Performance fees are part of your investment fees and costs. They encourage investment managers to aim for outperformance.
We pay performance fees to some of our external investment managers when they outperform an agreed target. If those managers underperform and don't meet their targets, they don't earn a performance fee. This affects how much you pay in investment fees and costs each year.
In our PDS and website, we show you what you might pay in performance fees based on an average of the last 5 financial years. This means the actual fees shown on your annual statement could be higher or lower than what's in the PDS or on our website.
Transaction costs are different for each investment option. Examples of transaction costs include:
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.
Your insurance options
Getting professional help can make a big difference to your retirement. Advice about your super account with us is included with your membership.2
Your advice options
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.
1. When the admin costs exceed member admin fees collected, these costs are met from our general reserve, not from your account balance or investment returns. We estimated this amount as 0.05% for the year ending 30 June 2025.
2. Representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818 AFSL 227867) give financial advice. ART Financial Advice Pty Ltd is responsible for the advice it gives and is a separate legal entity. Read the Financial Services Guide for more information.
