Is your super
working hard enough?

The two numbers that matter most are long-term net return (what you actually keep after all fees) and total fees at your balance. We show both, plus whether the fund passed APRA’s annual performance test. Because returns compound over decades, even a small, consistent difference in net return has a large impact by retirement.

Each year APRA runs a legislated performance test on every MySuper product, comparing its returns and fees against a benchmark. Products are rated Pass or Fail. A fund that fails must write to its members, and if it fails twice it can be closed to new members. We show the latest Pass/Fail result on every fund.

Super funds charge administration fees (often a fixed dollar amount plus a percentage) and investment fees. Rather than make you decode percentages, we show the total fees and costs in real dollars at balances of $10k, $50k, $100k and $250k — so you can see what a fund would actually cost someone with your balance.

Judge super over the long run, not a single year. A typical balanced/MySuper option aims for growth well above inflation over rolling 7–10 year periods. Compare funds over the same horizon and the same risk level — a higher-growth option will usually show a bigger return simply because it takes more risk, not because it is better run.

Yes. Switching is generally straightforward — you open an account with the new fund (or use the ATO’s YourSuper tool) and roll your balance over. Before switching, check any insurance you hold inside your current fund, since cover may not carry across automatically. This is general information, not financial advice.

Directly from APRA’s Comprehensive Product Performance Package — the official, government-mandated dataset behind the superannuation performance test. It is published annually and we ingest it straight from the source, so the returns, fees and Pass/Fail results you see are the regulator’s own figures.