Are you with a top performing super fund?
Updated on 7 August 2025 | 3 minute read
You build your retirement savings over a lifetime. So, it's important to look at the long-term performance of your fund to help grow your super even more.
Could you be getting better super returns?
Super is important to secure your financial future. Your choice of fund and investment options can make a big difference to your returns for a comfortable retirement. By choosing a high performing fund, you can grow your super even more over the long term.
Choose a super fund with the best performing super growth option1
Our Super Savings High Growth Option is the best performing over the past 10 years to 30 June 2025. Ratings Fund Crediting Rate Survey.
| ART High Growth1 | Industry median1 | |
|---|---|---|
| 1 year (p.a.) | 11.90% | 11.40% |
| 3 years (p.a.) | 11.72% | 11.04% |
| 5 years (p.a.) | 11.81% | 9.78% |
| 7 years (p.a.) | 9.27% | 8.01% |
| 10 years (p.a.) | 9.40% | 8.14% |
Industry median: This is the middle point when comparing super funds using the SuperRatings Fund Crediting Rate Survey - SR50 Growth (77-90) Index. These returns are to 30 June 2025.
Past performance is not a reliable indicator of future performance.
Tips to help you get the most out of your super
Follow these 4 steps to unlock your super's full potential.
Check your fund's performance
Because super is a long-term investment, not a one-year investment, look for good performance over at least five to ten years. Compare your fund's performance against industry standards and the average returns of similar funds. This will tell you how well your investment option is performing.
Review your investment strategy
Your super fund invests your money for you to help it grow.
Look at the investment options offered by your super fund, as they can greatly impact your retirement savings. The various investment options may produce different results over time, even if you invest the same amount of money.
You have access to a wide range of investment options to choose from when you invest with us. And if your situation changes, you can easily switch your investment choices as you see fit.
Consider your unique retirement goals and financial needs when working out which investment option might be right for you.
These 3 factors can help you choose an investment option that helps you reach your retirement goals.
- Your investment timeframe
- The level of returns you want
- How much risk you're willing to take
Consider fees and costs
High fees could eat away your investment returns over time. Look for a super fund that offers competitive fees without affecting performance. A small difference in fees could mean less money to spend in retirement.
Look at the bigger picture
Investment performance and fees are both key factors, but net benefit is what really matters when deciding how your fund is performing. Net benefit is the investment return from your super fund minus the fees and costs. The higher the net benefit, the bigger the balance.
5 easy ways to grow your super today
When it comes to super, most Australians have a “set and forget” approach. But there are simple and easy things you can do today to maximise your super contributions.
Changing super funds or switching investment options can be easy. Check for fees, tax impacts, and potential loss of insurance benefits before making the shift.
As an Australian Retirement Trust member, you can get financial advice about your super account as part of your membership.
Super is one of your most important assets in retirement. Regularly checking its performance, investment strategy, and fees and costs will make the most of your super for the ideal retirement.
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