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Best Superannuation Funds

Superannuation is one of the most common, yet misunderstood topics in everyday finance. Most people know what superannuation is and recognise how important is, but few people have put any serious time into finding the best super fund for their lifestyle and financial goals. With so much advertising and industry jargon it can be difficult to see how one superannuation fund is different from another. To ensure you have the best super fund for your finances, we’ve decided to look at the major types of super funds available to Australians. A little bit of research and preparation can help you find the best superannuation fund for your retirement plans and futureproof your finances for whatever is lurking around the corner.

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Retail superannuation funds

Many Australians are signed on to a retail superannuation fund and these funds are generally run by banks or larger financial investment companies. Retail super funds are open to anyone and often offer a wide variety of investment opportunities for members. As they are owned by private companies however, it is important to note that retail funds are set up to retain some profit and not necessarily to members.

Industry superannuation funds

The other main superannuation option taken by Australians are industry superannuation funds. While some are open, industry super funds are typically restricted to members of industries and work with lower cost models for members. As industry super funds are not set up as private companies, any profits they make are put back into the fund with the intention of benefitting all the members.

Self-managed superannuation funds (SMSF)

An increasingly popular option for Australians looking to optimise their retirement finances is self-managed superannuation funds. With a self-managed super fund, you’re in control of where your money goes, rather than having it invested on your behalf by a fund manager. As you could imagine a self-managed super fund comes with its fair share of admin (and risk), but if you’ve got a background in finance it can potentially lead to greater returns.

Tips for finding the best superannuation fund:

  • Compare your options – Part of what makes superannuation such a difficult decision to get right is the set and forget aspect of the accumulation phase. No matter how far you’re into professional life it’s always a good idea to compare your options. The grass isn’t always greener on the other side, but you don’t want to be losing valuable money.
  • Consolidate your super – Australians with multiple superannuation funds are having their retirement finances bled dry by multiple fees and the tragedy is most of them don’t even realise it. If you’ve got multiple superannuation funds, it’s a good idea to find the best super fund for your financial goals and consolidate your super into that account.
  • Keep an eye on everything – Most Australians discard their regular superannuation updates, but it’s crucial to keep an eye on your retirement finances. Over time a difference in fee requirements can accumulate and make a bit difference to the size of your nest egg.
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78 listings

Future Super
  • Award Winner 2020
  • 2019

Retail Superannuation FundsFuture Super

4.9 from 442 reviews

Latest review: This is exactly what the superannuation world needs and anyone who chooses to benefit from, would follow. Delivery of crucial information having switched in the last 12 months has always timely,

  • Transparency
    4.9 (168)
  • Customer Service
    4.8 (182)
  • Rates and Fees
    4.7 (111)
VicSuper
  • Award Winner 2020
  • 2019

Public Sector Superannuation FundsVicSuper

4.8 from 335 reviews

Latest review: VicSuper have supported me through many instances of needing support throughout my experience with them over the past 8 years. Insurance, income protection, investment, all wonderful. My most recent

  • Transparency
    4.9 (104)
  • Customer Service
    4.8 (107)
  • Rates and Fees
    4.8 (48)
Online Super Fund
  • Award Winner 2020

SMSF / Small FundsOnline Super Fund

5.0 from 118 reviews

Latest review: We have been using Online super for at least 5 years & I have always found them to be very professional & informative. They offer 5 star service in arrange the tax return & audit for our fund. In

  • Transparency
    5.0 (106)
  • Customer Service
    5.0 (110)
  • Rates and Fees
    5.0 (53)
ESuperfund
  • Award Winner 2019
  • 2018

SMSF / Small FundsESuperfund

4.6 from 410 reviews

Latest review: Has been with eSuperfund for many years. I like the way their web site is set up and the way they collect details for the compliance. Get good response for my queries. Overall very satisfactory

  • Transparency
    4.3 (36)
  • Customer Service
    4.3 (40)
  • Rates and Fees
    4.3 (20)
Xpress Super

SMSF / Small FundsXpress Super

4.9 from 79 reviews

Latest review: I joined Xpress Super a year ago after huge dissatisfaction with expensive SMSF managers who managed my funds. I was wondering why it was called self managed as I didn't really get a look in! I'm

  • Transparency
    4.7 (9)
  • Customer Service
    4.5 (10)
  • Rates and Fees
    5.0 (3)
Verve Super

Retail Superannuation FundsVerve Super

5.0 from 67 reviews

Latest review: The only superfund designed by women, for women. That takes ethics into consideration in almost every aspect. Only been with them for 6 months but they have reached out personally to me more than

  • Transparency
    5.0 (61)
  • Customer Service
    5.0 (61)
  • Rates and Fees
    4.9 (49)
Dixon Advisory
  • Award Winner 2019

SMSF / Small FundsDixon Advisory

4.4 from 163 reviews

Latest review: I switched from another provider about 10 years ago( for geographical reasons) to Dixon’s as they came highly recommended as a industry leader at that time. Their administrative service is very good b

  • Transparency
    2.0 (11)
  • Customer Service
    3.8 (18)
  • Rates and Fees
    1.5 (8)
HESTA Super Fund

Industry Super FundsHESTA Super Fund

4.1 from 727 reviews

Latest review: I had a number of questions. The customer service person provided good service. Was able to answer all questions. Over the 6 years I have been with HESTA the service has always been

  • Transparency
    4.5 (356)
  • Customer Service
    4.6 (390)
  • Rates and Fees
    4.3 (197)
Redwood Advisory

SMSF / Small FundsRedwood Advisory

5.0 from 28 reviews

Latest review: I moved my SMSF to Redwood about 3 years ago after having a bad experience with another SMSF manager. Just settled on a property, thanks to Ivan who made this

  • Transparency
    5.0 (9)
  • Customer Service
    5.0 (10)
Australian Ethical

Retail Superannuation FundsAustralian Ethical

4.0 from 116 reviews

Latest review: The process to switch super was simple and fast. Online account management is user friendly. All Australians must seriously consider switching to an ethical super fund to accelerate our transition

  • Transparency
    2.4 (16)
  • Customer Service
    2.5 (19)
  • Rates and Fees
    2.8 (13)
UNIP SMSF Administration

SMSF / Small FundsUNIP SMSF Administration

5.0 from 20 reviews

Latest review: Having experienced poor service from an "all inclusive" super fund admin company whose name rhymes with Qsuirrel, I looked for a platform that included SMSF admin and tax compliance services but also

Crescent Wealth

Retail Superannuation FundsCrescent Wealth

4.8 from 19 reviews

Latest review: Not even one star. The worst customer service ever. I moved to New Zealand and completed all the paperwork with the KiwiSaver organization to transfer my superannuation from Crescent Wealth, but for

  • Transparency
    1.0 (1)
  • Customer Service
    1.0 (1)
  • Rates and Fees
    3.0 (1)
National Sterling

SMSF / Small FundsNational Sterling

3.9 from 38 reviews

Latest review: Back in 2006, i was new into the property game and wanted to increase my property portfolio. They talked me into buying 2 properties. I could only afford one. My accountant had to assist me with

  • Customer Service
    1.0 (1)
Super Concepts

SMSF / Small FundsSuper Concepts

3.7 from 52 reviews

Latest review: Fabi is an important and valuable member of the SuperConcepts team. She operates with a high level competence and incredible diligence to both meet and exceed expectations. Fabi should be commended

  • Transparency
    4.0 (29)
  • Customer Service
    4.1 (32)
  • Rates and Fees
    3.6 (19)
MTAA Super

Industry Super FundsMTAA Super

3.2 from 87 reviews

Latest review: I have been with them for 12 years. I have always found MTAA to be very helpful, efficient and good value. They seem to be able to outdistance the

  • Transparency
    4.3 (43)
  • Customer Service
    4.5 (45)
  • Rates and Fees
    4.1 (16)
Sunsuper

Industry Super FundsSunsuper

2.9 from 256 reviews

Latest review: I've been with Sunsuper for approximately twenty five plus years and have always had great support from staff whenever I have had any issues I highly recommend Sunsuper to anyone who is looking

  • Transparency
    3.5 (98)
  • Customer Service
    3.8 (122)
  • Rates and Fees
    3.5 (56)
SuperGuardian

SMSF / Small FundsSuperGuardian

4.7 from 11 reviews

Latest review: I have been with Superguardian for about 4 years with my SMSF and the experience has always been positive.All the people I have dealt with are well qualified, knowledgeable and always helpful.If

Simple Choice Super

Superannuation FundsSimple Choice Super

4.4 from 13 reviews

Latest review: I think i have been with this superannuation fund for a year or so and the performance is great. I recommend this service to everyone. Great customer service and great

  • Transparency
    4.3 (12)
  • Customer Service
    4.4 (13)
  • Rates and Fees
    4.2 (12)
Rest Superannuation

Industry Super FundsRest Superannuation

2.6 from 549 reviews

Latest review: I have been with Rest Super for 6 years and they have done nothing but rip me off. I only have $3500 in Super, the rest has been taken for fees. I have now changed to Sun Super and have already seen

  • Transparency
    1.3 (139)
  • Customer Service
    1.4 (151)
  • Rates and Fees
    1.6 (100)
UniSuper

Industry Super FundsUniSuper

2.2 from 38 reviews

Latest review: My wife and I have been members for 19 years and have had reason to complain on several occasions. The first was when a $10,000 contribution to my wife's fund 'disappeared' and management denied any

  • Transparency
    2.0 (9)
  • Customer Service
    2.5 (10)
  • Rates and Fees
    3.0 (7)
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