676 reviews
AI reviews summary
Pros
Cons
Verdict
Overall, UniSuper maintains a strong positive sentiment among its members, who frequently commend its long-term investment performance, competitive fee structure, and supportive educational resources. While the majority of feedback highlights reliable service and professional financial advice, a small number of reviewers note administrative friction and reduced digital support once accounts transition into the pension phase. Prospective and current members generally view the fund as a trustworthy option for retirement planning, though experiences with specific administrative processes can occasionally vary.
UniSuper staff were very supportive as we worked through the process to access our superannuation funds. We feel our account funds are well managed and our financial situation is stable. We have recommended UniSuper to friends who are considering moving into retirement.
My experience with UniSuper has generally been very good in the time that I have been a member, rolling over from my self-managed super fund 9 years ago. The website is well constructed and easy to navigate. The investment performance and options are very sound and high performing, although I am a little concerned about the current weighting in… Read more
Nividia and AI stocks. I have not used the advisory service terribly much since becoming a member, however, when I have it has been quite good and certainly very courteous and customer friendly. I switched to UniSuper on the advice of my wife, who is a former Higher Education sector employee, once the fund became available to non-University employees. I am retired now and am enjoying the tax benefits, investment performance, and regular fortnightly payments from my UniSuper FlexiPension Account.
I have been a member of UniSuper for over 20 years and have always experienced excellent service. I was well prepared for my retirement in 2020 thanks to the wise and independent advice I received for the financial advisor I sought consultation from. The resources provided free to members are also first rate as is the speed of response to queries… Read more
both online and in person. I am always impressed with the patient and sensitive consideration given to me by every one of the people I have dealt with at UniSuper. Thank you, it's so important in this age of AI and unethical possibilities. I trust and respect UniSuper and have referred my partner and friends who have joined happily.
Reviews with attachments
It's nearly two months since i switched to Unisuper and I don't see any returns. Only negative returns
UniSuper has looked after my superannuation for over 20 years – I’ve been with UniSuper for over 20 years. My journey towards retirement and financial independence continues to be very well supported by the UniSuper team, especially by my financial advisor, Jonathan Kujawa. The Melbourne UniSuper office has a hidden gem: an expansive, well-lit and very comfortable members’ lounge where one can work, study,… Read more
read or enjoy a coffee and snack while waiting to see one’s financial advisor (or before heading back to work). The lounge has large picture windows that overlook the GPO, Elizabeth Street and Bourke Street Mall and is a peaceful oasis amidst the noise and frenetic pace of activity in the CBD. Post-COVID, I find UniSuper’s website to be very much improved in its customer-focused content and web design, offering lots of helpful resources and great reporting tools too. I trust this brand because it is a not-for-profit company and because it knows and understands the Australian tertiary education sector like no other fund can or does.
Switching funds – I had the opportunity to have my employer contribute to UniSuper during a period of retirement casual employment in 2018. I am very reluctant to change trustees, without very good reason. I initially moved my funds with an Australian Banking organisation to UniSuper in 2019 when I compared returns, information provided and updates between the… Read more
Banking organisation and UniSuper. In 2022 my major fund trustee of a US based trustee organisation advised that they were closing their High Growth fund down in 6 months time, but refused to discuss anything with me over next three months. So after a couple of attempts to converse, I moved all my funds to UniSuper, partially based on better net returns after trustee and management expenses and part I had grown to trust UniSuper over the four years.
My only regret is that I would prefer to have 50% of my assets for retirement with different trustees who are independently choosing the spread of investments. This "spread" of risk can occur if your spouse has a different reputable trustee. The super member may have no idea where the funds are actually invested (UniSuper provided a list to review) and what changes to investments are made.
If you are fit, exercise and healthy, basically only look at 10 year returns to make decisions. Look at "net" after all expenses - but most trustees like telling you "gross " performance returns.
My biggest words of advice is to train yourself whilst working to have interests, hobbies and sports before retirement. You can fairly easily "downsize" expenditure to what funds you need to "eke" your retirement on. I claim I am down to $10.00 per day, being the cost of a coffee and muffin at the coffee shop on the Harbour foreshore where my kayak lands to turn around and paddle home and have my swim across one of Sydney Harbour's bays. This is a lot less enjoyable than flying gliders at 10,000 to 13,000 feet over NSW before retirement as in comparison "Sydney Harbour" is a "ponce" of a Harbour!
Poor online services and minimal transparency – The growth has not been near the 8.9% they claim, and the defined benefit scheme, in most cases, isn't better than accumulation performance. Online services are constantly buggy, and difficult to navigate and find simple information. Online chat service is complicated; they hesitate to listen to concerns and provide the information you want. The… Read more
investment performance information is very basic, and they don't show how much is paid in fees, insurance, tax or how much of the growth is based on investment rather than contribution.
I have been with UniSuper since leaving AustralianSuper for the same reason I'm about to outline - Namely that the investment performance shown in UniSuper's graphs often doesn't correlate with the changes in my Fund Balance. Below is just one example of many I have noticed. As of ~1.00pm Friday 9th May 2025 I had 4 Investments in my portfolio as… Read more
follows: 1. Conservative Balanced x 25% 2. Cash x 25% 3. Australian Bonds x 25% 4. Australian Income x 25% From 7th to 8th of May the Inv. Performance returns* increased as follows: < refer attached images > 1. 2.33 > 2.61 | Increase = 0.28% x 25% (.0007) x Balance 2. 0.31 > 0.33 | Increase = 0.02% x 25% ( .00005) x Balance 3. 0.59 > 0.75 | Increase = 0.16% x 25% (.0004) x Balance 4. 0.88 > 0.88 | Increase = Zero
While this equated to an increase of $353, my Fund Balance only increased by $159. This may not seem like much alone, but multiply it by the thousands of balance changes that occur in your account X the thousands of members in the fund and. . . . Well; you get the picture.
I check & screen-shot my balances often so can confidently assert this is NOT an isolated or unusual occurence; which begs the question:
How many other UniSuper members have experienced this?
Latest follow-ups
Experience you can trust – Informed, experienced staff and advisors that go the extra mile to make sure your funds are working for you.
Follow-up · Our circumstances going into retirement were not straightforward as we had spent several years at a European university before returning to Australia to buy a home and retire. The UniSuper financial advisors were immensly helpful at what was a stressful time. They answered our many phone calls and emails promptly and with understanding. Some… Read more
The UniSuper staff are uniformly responsive, courteous, &helpful. However each time I ring. I must wait until a series of very tedious & repetitive messages ends. Very frustrating! And the optional Q have you withdrawn your super is ambiguous- have I withdrawn funds ? Or pulled out of the super fund?
Follow-up · No further experiences since first review . Online services - governed by an algorithm? - too many avail options; none precisely on the point I'm seeking Length of waits varies ( ie, after YET AGAIN listening to the interminable & unnecessary introductory messages) Best contact is the one on their website
I have both a pension and accumulation accounts. I'm nearly retired. I get a regular pension and salary sacrifice to an accumulation account which I use for holiday savings. The drawdown process is easy. I'm doing this review from Brooklyn. I'm in… Read more
the active phase of my retirement according to Unisuper seminars. Unisuper is easy to use and worry free. I've been with them for 30 years. I've had many jobs and stuck with them as their returns are excellent.
Follow-up · I just wrote this and it got lost so here goes again I want set and forget not SMSF - my finances, as are many boomers, somewhat complicated as we have more than one income stream and loans and ..... What about other services? - financial advisers and accountants dont cover these cross over areas too well and I dont want to pay too much -… Read more
In-depth reviews
Having been a member of Unisuper for 25 years, and made a modest effort to keep abreast of the superannuation system in Australia, I have come to believe that it is an excellent superannuation organisation. As far as I can tell, the administration… Read more
costs are relatively low, and the overall service I have received has been very very good. I have always been able to get reliable information about my account and government regulations, be it by phoning them, having a Zoom meeting, or meeting with them in person in Sydney. I think their experts really know what they are doing, but they don't push me any one way or another to do anything in particular--they inform me, provide well-meaning advice, but leave decisions up to me. Also, Unisuper offers a wide range of investment options, and you can see what companies and organisations are included in each option. So you can tailor your investments not just to your appetite for risk, but also to your concerns with the environment and the ethical profile and history of specific companies. I have found the online information about all these things quite comprehensive, reliable, and helpful. I also found some of the calculation tools helpful when trying to decide how to set up my pension in the retirement phase, which is where I am now. Upon retirement about 6 years ago, I chose to move my Accumulation account into a FlexiPension option, which has performed very well so far. There are a few issues with my account now that I live overseas, but I have been able to sort them out. So, yes, I am very happy with Unisuper, and I would recommend it to anyone.
Follow-up · About those overseas issues, and how I sorted them: The procedure for those who live overseas and who wish to make a lump sum withdrawal from their Flexipension is costly, unstable, and difficult. As a Unisuper representative informed me over the phone the last time I tried to make such a withdrawal, I cannot make such a withdrawal now that I… Read more
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A few years ago I moved my superannaution account away from Australian Super which had been providing abysmal service (incompetence and unhelpful attitude from representatives who initially refused to consult internal experts to get me the information I requested). I moved my funds to Unisuper and the change was impressive. Unisuper has a strong… Read more
customer focussed approach and now whenever I need technical information about Superannuation Law or about the policies and procedures of Unisuper in how it administers member accounts, I am readily given the information I ask for.
For instance I recently asked whether it is possible under Superannuation legislation- (certain unusual circumstances may allow for this?) - for BINDING nominations made in favour of only some children of the account holder to be challenged by another child who has not been nominated as a beneficiary. I was provided with a fully satisfactory answer which however, is too detailed to summarise here in a couple of sentences.
In such cases in which specialist knowledge is required, the Unisuper representative who is helping me will happily refer to subject matter experts in the company to get answers to my questions.
I am very happy with the professional, helpful attitude of Unisuper representatives.
Generally I've been happy with UniSuper since joining in 2016, with 100% of my contributions going to the Global Environmental Opportunities portfolio - indicating that this is important to me. So along with many other members I was shocked to realise the environmental requirement of this portfolio has been watered down significantly. I don't… Read more
want to invest in technology companies run by amoral and cowardly US billionaires. I expect UniSuper to show more diligence, communicate better, and create a portfolio that I feel comfortable to invest in.
Please do better.
From https://www.theguardian.com/environment/2026/feb/20/unisuper-accused-of-greenwashing-after-quietly-reducing-environmental-element-of-investment-option:
UniSuper communicated the changes to members via its website and in an email to members. The email did not contain a summary of the changes but invited people to click through to a pdf document.
“Having made the change they really didn’t explain it to members,” Dixon said. “Hardly anybody would have twigged.”
Positive reviews
UniSuper gives me a strong return on my superannuation investments. They are professional, helpful and provide continuing information as well as useful resources for retirees.
Great retirement scheme that secures my income after my recent retirement as UniSuper is great in their investment with great returns. Their website has lots of good resources to understand my super and retirement plans.
I've been impressed by the return on my balanced account, especially as I'm on the cusp of the retirement and too nervous to take risks. Managing the account and the app is easy and I find the webinars and other member resources informative and easy to understand.
Negative reviews
UniSuper engage in contract manipulation with the Universities. They lock new staff into membership of their DBD scheme by putting in their contract via collusion with HR staff and then after 2 years if the member does not withdraw they can't change it. No rollout, no change over to a new fund, no control over contributions. Even if you resign you can't access your money. It's a scam!
Totally Unhappy with UniSuper! Once you are in the Pension Phase they totally stop all support and pretend you don't exist. They have removed the ability to log into their site for people in the pension phase probably because they have absolutely no information for members once they purchase a Lifetime Pension. For instance; today is the 13 July… Read more
2026 and a CPI increase was to be actioned on the First of July. To date I have received no correspondence whatsoever to inform me of the new fortnightly pension amount or what CPI figure they have applied.
Google searches and an AI response says that UniSuper will be applying a 4.1% CPI increase from the 1st July 2026. The PDS at purchase stated that the March 12 month CPI would be applied each year. Checking the ABS site it states that the March 12 month CPI figure is 4.6%. UniSuper have obviously decided to keep a half percent increase for themselves with no explanation to Pension Recipients.
I have posted in the past how atrocious the UniSuper support is for pension recipients. They responded with all sorts of platitudes but nothing has changed in the 2 years I have been complaining directly to them; in fact if anything their support has gotten worse.
In fairness I must state that during the accumulation phase UniSuper had great support and tools for members. However once in the pension phase there is no support or care given to pension recipients.
Very happy with management of Investments, however took two to three weeks to withdraw funds. Seems procedures for-depositing funds are much more efficient than those for withdrawing funds.
Recent reviews
For more than 20 years I have been a member. The performance of my money has been always the best according to my selection of type of investments. Financial advise since I retired keep me updated of the economic environments and the advice accordingly has work well for me.
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Unisuper helped us understand and carry out the steps to retirement pension. We had personal attention from experienced and interested professionals and hands on supervision when filling in formes.
Genuine, trustworthy and professional. Have been a UniSuper member for a long time, and currently phasing to retirement. They have done an excellent job managing my Super over the years, provide sound advice, and have lots of helpful resources to help with the transition to retirement. Have been out of the University sector for some time but I'm glad I've stuck with UniSuper all these years.
Excellent product - excellent returns…been with them for ~26yrs; and 3-6 yrs out from retirement, their planning info is great / helpful income protection insurance products too
I've had a lot of super funds over the years but UniSuper is one of the best performers, has some of the lowest fees and is one of the easiest to deal with. Eventually all my super was amalgamated into this one fund.
I like the way UniSuper maintains good communications with its members, and is informative about choices of investments. The payments of benefits after retirement are clear and make it easy to split the regular payments across accounts.
Being a member of UniSuper for some decades now I have come to appreciate the high quality of UniSuper's approach to providing members with the utmost confidence in saving for their retirement. UniSuper is constantly among the highest rated superannuation funds in Australia. It is not only growing members retirement funds, it is also the expertise… Read more
from the Chief Executive to the staff who field calls and respond to queries from members covering a wide range of topics. Always a pleasure to interact with them.
The website was easy to use to transfer from my previous fund. Unisuper has lower fees and is making a better return. I can log into my account to view my balance and if I need to withdraw cash, its only a few days before its in my account.
Always receptive very professional the team manages expectations really well They are focused on your individual needs and up till now have always delivered I feal like a valued client and trust you with my portfolio
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