What makes a best performing super fund?
When judging a super fund on performance, look at how the super fund balances steady returns with costs and risks, even when markets go through ups and downs.
What shapes long-term performance?
Investment options
Performance and returns can differ based on the investment option. When choosing investment options for your super, think about the amount of risk you’re willing to take, the return you’re after and how long your money will be invested.
Diversification
A broad investment mix in a wide range of assets could help smooth out returns if there’s market volatility. The expertise of the super fund’s investment team and partners can also contribute to long-term investment performance.
Fees
These are the costs you pay to the super fund. A fund with a focus on lower fees means more of your money stays invested.
Scale and governance
A large fund can help keep costs down and will have access to a wider investment pool.
Learn more about ART’s performance, fees, and investment options.
How is performance measured?
Performance is measured by the annual average return after fees and (where relevant) tax, compared with the industry median for a similar investment option, such as High Growth or Balanced. Analysts will also look at market volatility, outcomes for the level of risk taken, and how often a fund meets or beats long-term benchmarks.
How does Australian Retirement Trust (ART) compare with the industry median?
This comparison table shows returns for each year to 31 December 2025. All figures are after investment fees and taxes.
| ART High Growth1 | Industry Median1 | |
|---|---|---|
| 1 year | 10.23% p.a. | 10.23% p.a. |
| 3 years | 11.82% p.a. | 11.62% p.a. |
| 5 years | 10.55% p.a. | 8.87% p.a. |
| 7 years | 10.52% p.a. | 9.56% p.a. |
| 10 years | 9.83% p.a. | 8.57% p.a. |
Industry median: This is the middle point when comparing super funds using the SuperRatings Fund Crediting Rate Survey - SR Growth (77-90) Index.
Past performance is not a reliable indicator of future performance.
Why long-term results matter
Super is a long-term investment. So you could look at the 3-year, 5-year, 7-year, and 10-year performance returns of a super fund to see how much an investment has grown over time across different economic conditions. Funds that stay consistent over time usually have better investment strategies and risk management processes. Keep in mind that past performance doesn’t promise future results.
Join one of Australia's largest super funds
Awaken your super with a fund that puts members first. Our value for money is one of the reasons why 2.4 million Australians trust us to take care of $330 billion of their savings.
What else do the best super funds offer?
Investment returns are important for growing your super. But the top super funds in Australia should offer much more.
Independent ratings
Independent researchers like SuperRatings, Money magazine, and Canstar compare super funds based on their returns, fees, and overall value.2 They focus on research and ratings, and track data from across the industry.
Here are just some reviews of ART by the leading ratings agencies in the finance industry:
SuperRatings Platinum Performance rating for 20 years and MySuper Fund of the Year 2026
Money magazine’s Best MySuper Lifecycle Product 2026 and Best Conservative Pension Product 2026
Canstar 5-stars for outstanding value super and retirement products
A focus on lower fees
Super funds have different fees and costs. Higher fees can eat into your savings, meaning less money when you retire. Looking for lower fees with strong performance can make a big difference to your financial future.
Financial advice
Expert financial advice can help you plan for your future. Your membership with ART includes advice about your account.3
Insurance through super
Insurance cover through your super fund can help you feel protected if something happens. ART has a range of cover options for you.
Mobile app
Check your super on the go and update your account from the ART app or Member Online.
Retirement solutions
With solid retirement income products, you could get regular tax-free payments into your bank account from age 60. Plus save tax on your retirement investments.
Rewards and discounts
Save money on the things you need. As a member, access deals and discounts on fuel, appliances, fashion, and more.
Common questions about super fund performance
Want to know more? Check these frequently asked questions.
