Long-term performance is one of the important areas when looking for the best super fund for your retirement plans. And there are some other things you need to compare, like fees, investment options, insurance, and advice.
The ATO's YourSuper comparison tool is a great way to start your search for the best superannuation fund in Australia. Every year it ranks and compares MySuper products, including the best industry super funds.
The tool's based on the Australian Prudential Regulation Authority (APRA) long-term performance test. And it shows both the best and worst performing super funds for 2023.
ART Super Savings Balanced option
8.43% p.a.
Overall industry median1
7.32% p.a.
The SuperRatings Fund Crediting Rate Survey ranks us in the top 3 super funds over 10 years for our Super Savings Balanced option for Accumulation accounts.1
8.4% p.a.
10-year return
Our Super Savings Balanced option for Accumulation accounts has returned 10% in 2022–23, and 8.4% p.a. over 10 years to 30 June 2023.
In fact, our returns are better than most other super funds for 1, 3, 5, 7, and 10 years.1
Check our performanceSuper funds have different fees and costs. Higher fees will generally eat into your savings – meaning less money for you to spend in retirement. Looking for lower fees with strong performance can give you more confidence in your financial future.
As an industry super fund that works for members, we don’t pay shareholders. It means we can give back profits to members as lower fees and better services.
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Our Super Savings accounts have won multiple awards over many years, including Canstar's highest 5-star rating for outstanding value.2
Are you looking for a fund that puts members first? Our value for money is one of the reasons why 2.3 million Australians trust us to take care of over $260 billion of their savings.
Returns and fees are important for growing your super. But the best super funds in Australia don't stop there. Make sure you can get help when you need it.
Getting financial advice about your super can help you plan for your future. Your membership with us includes advice about your account.
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Do you have the support you need for investing your super? Whether you're a hands-on investor or want to leave it all to us, we give you plenty of options.
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Insurance cover through super can help you feel prepared and protected if something happens. We have a range of cover to choose from.
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Life's easier when you can check your super on the go. Make changes to your account in our app or Member Online. It's easy and secure.
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Start saving money on the things you need now. As a member, you'll have access to deals and discounts on fuel, appliances, fashion, and more. So you can have more money for the future.
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Has your super fund failed APRA's MySuper performance test in 2023? Or perhaps it isn't meeting your needs? It's simple to switch. Comparing super funds has never been easier, with so many comparison tools available.
Now that you know what to look for, compare different funds to find the best option for your super.
Start comparing
Want to know more? Check these frequently asked questions.
Any super fund will tell you they're great. But we're backed by a crowd of awards and top ratings over the years, like Canstar's highest 5-star rating for outstanding value, which we've held since 2011.2
Our retirement products have also won several awards for innovation, including Money magazine's 2023 Best Innovation – Retirement Innovator.
Awards help you know which funds are highly rated within the super industry. Just remember they're only one thing to think about when choosing a super fund.
Our Super Savings Balanced option was among the best performing in the country for the 2022–23 financial year.
Our Balanced option for Accumulation accounts had a strong return of 10% for the financial year. And our Income account's Balanced option returned 11.1% for the financial year.1
Investment returns can go up and down from year to year. But it's important to remember that super is a long-term investment. So the real key to success for your super lies in strong long-term returns.
Over 10 years, our Balanced option for Accumulation accounts has delivered 8.4% per year for members – which is in the top 3 super funds in Australia.
MySuper is a default product that all super funds offer. It's the product that your employer will usually pay your super into if you haven't picked an investment option. But you can choose a different option.
Our MySuper product is called the Super Savings Lifecycle Investment Strategy. It’s designed to grow your super over the long-term. And as you get closer to age 65, it slowly moves to lower-risk investments.
Compare the performance of MySuper products by using the ATO's YourSuper comparison tool.
It can be upsetting to learn that your super fund's performed badly in APRA's yearly MySuper performance test. You'll need to decide if you want to switch funds, and which product you want to switch to.
The ATO's YourSuper comparison tool can help get you started. And the good news is that it's easy to change super funds. You can usually do it online.
Once you retire and open an Income account, performance continues to be important for the top pension funds.
You should also compare fees, investment options, and advice. And check what products your fund offers to help make your super last.
Our Income account's Balanced option returned 11.1% for the 2022-23 financial year. It also had a healthy 9.27% return over 10 years, ranking in the top 10 super funds in Australia.1
Who looks after your super can make a big different to how much you have when you retire. If you’re not with one of the best performing super funds, it may mean less money for your future.
When deciding on a fund, long-term performance is important – not just how their investments are performing today.
Moneysmart recommends comparing the investment performance of your fund over at least 5 years. And keep in mind how fees and costs can impact your account balance.
Find out for yourself. More than 2.3 million people enjoy saving with Australian Retirement Trust.
1. The Australian Retirement Trust Super Savings Balanced option has adopted the pre-merger investment strategy of the Sunsuper Balanced option. The industry median return for the SR50 Balanced (60-76) Index comprises the 50 largest investment options with a similar asset allocation to growth style assets between 60-76%. Source: SuperRatings Fund Crediting Rate Survey - SR50 Balanced (60-76) Index, 30 June 2023. The Super Savings Balanced option has identical investments to the Balanced Pool in the Lifecycle Investment Strategy. Members invested in the Lifecycle Investment Strategy are invested 100% in the Balanced Pool until age 55. Past performance is not a reliable indicator of future performance. Investment returns are net of investment fees and costs and taxes (where applicable). Super Savings products issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL No. 228975) as trustee for Australian Retirement Trust (ABN 60 905 115 063). Consider the Super Savings product disclosure statements and TMDs before deciding.
2. Australian Retirement Trust has adopted the same products, services and investments as Sunsuper. Awards and ratings are only one factor to think about when choosing a super fund. See our ratings and awards.
