Superannuation performance in Australia, FY 2026

1. 🏦

   1
   9.27%p.a. over ten years, net of fees
   CFS FirstChoiceFirstChoice Employer Super - MySuper · CFS Lifestage (2000-2004)$370 a year at $50,000 Passed
   Go to site
2. ⬆️

   2
   9.27%p.a. over ten years, net of fees
   TEAM SuperMySuper Lifecycle · MySuper Under Age 50$340 a year at $50,000 Passed
   Go to site
3. 🏦

   3
   9.21%p.a. over ten years, net of fees
   CFS FirstChoiceFirstChoice Employer Super - MySuper · CFS Lifestage (1995-1999)$370 a year at $50,000 Passed
   Go to site

1. 4
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   CFS FirstChoice FirstChoice Employer Super - MySuper · CFS Lifestage (1985-1989)$375 a year at $50,000 · passed the test9.16%Site
2. 5
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   CFS FirstChoice FirstChoice Employer Super - MySuper · CFS Lifestage (1990-1994)$375 a year at $50,000 · passed the test9.15%Site
3. 6
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   CFS FirstChoice FirstChoice Employer Super - MySuper · CFS Lifestage (1980-1984)$375 a year at $50,000 · passed the test9.11%Site
4. 7
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   Vision Super Active Super Lifestage Product · Active Super Lifestage - Accelerator$420 a year at $50,000 · passed the test9.07%Site
5. 8
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   Mercer Super Virgin Money MySuper · LifeStage Tracker - Born 1974 - 1978 - Virgin$340 a year at $50,000 · passed the test8.99%Site
6. 9
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   Mercer Super Virgin Money MySuper · LifeStage Tracker - Born 1984 - 1988 - Virgin$340 a year at $50,000 · passed the test8.99%Site
7. 10
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   Mercer Super Virgin Money MySuper · LifeStage Tracker - Born 1979 - 1983 - Virgin$340 a year at $50,000 · passed the test8.99%Site

Ten-year net return as published by APRA for MySuper options: after investment and administration fees and taxes, for a representative member. Identical options offered under several product names are shown once. Past returns do not predict future ones.

1. 1
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   Vanguard Super Vanguard MySuper · Lifecycle Age 47 and under— p.a. over ten years · passed the test$245Site
2. 2
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   Vanguard Super Vanguard MySuper · Lifecycle Age 48— p.a. over ten years · passed the test$245Site
3. 3
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   Vanguard Super Vanguard MySuper · Lifecycle Age 49— p.a. over ten years · passed the test$245Site
4. 4
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   Vanguard Super Vanguard MySuper · Lifecycle Age 50— p.a. over ten years · passed the test$245Site
5. 5
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   Vanguard Super Vanguard MySuper · Lifecycle Age 51— p.a. over ten years · passed the test$245Site
6. 6
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   Vanguard Super Vanguard MySuper · Lifecycle Age 52— p.a. over ten years · passed the test$245Site
7. 7
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   Vanguard Super Vanguard MySuper · Lifecycle Age 53— p.a. over ten years · passed the test$245Site
8. 8
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   Vanguard Super Vanguard MySuper · Lifecycle Age 54— p.a. over ten years · passed the test$245Site
9. 9
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   Vanguard Super Vanguard MySuper · Lifecycle Age 55— p.a. over ten years · passed the test$245Site
10. 10
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    Vanguard Super Vanguard MySuper · Lifecycle Age 56— p.a. over ten years · passed the test$245Site

Total annual fees and costs at a $50,000 balance, as disclosed to APRA — administration, investment and transaction costs together. Insurance premiums are not included.

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  AMP North MyNorth Super · North Guardian Growth FundPlatform · 7.73% p.a. over ten years · $830 a year at $50,000Failed test
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  AMP North MyNorth Super · North Guardian Balanced FundPlatform · 6.57% p.a. over ten years · $810 a year at $50,000Failed test
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  AMP North MyNorth Super · North Guardian Moderately Defensive FundPlatform · 4.85% p.a. over ten years · $870 a year at $50,000Failed test
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  AMP North North Super · North Guardian Growth FundPlatform · 7.73% p.a. over ten years · $830 a year at $50,000Failed test
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  AMP North North Super · North Guardian Balanced FundPlatform · 6.57% p.a. over ten years · $810 a year at $50,000Failed test
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  AMP North North Super · North Guardian Moderately Defensive FundPlatform · 4.85% p.a. over ten years · $870 a year at $50,000Failed test
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  Bendigo Super Bendigo SmartStart Super · Bendigo High Growth Index FundPlatform · 10.04% p.a. over ten years · $330 a year at $50,000Failed test
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  Bendigo Super Bendigo SmartStart Super · Bendigo Balanced Wholesale FundPlatform · 6.31% p.a. over ten years · $525 a year at $50,000Failed test
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  BUSSQ MySuperMySuper · 6.66% p.a. over ten years · $470 a year at $50,000Failed test
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  IOOF (Insignia) Cornerstone Portfolio Service Retirement Boost (Super) · MLC MultiActive High GrowthPlatform · 9.86% p.a. over ten yearsFailed test
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  IOOF (Insignia) IOOF Employer Super · MLC MultiActive GearedPlatform · 12.24% p.a. over ten years · $795 a year at $50,000Failed test
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  IOOF (Insignia) IOOF Employer Super · MLC MultiActive GearedPlatform · 12.24% p.a. over ten years · $860 a year at $50,000Failed test
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  IOOF (Insignia) IOOF Employer Super · MLC MultiActive High GrowthPlatform · 9.86% p.a. over ten years · $730 a year at $50,000Failed test
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  IOOF (Insignia) IOOF Employer Super · MLC MultiActive High GrowthPlatform · 9.86% p.a. over ten years · $790 a year at $50,000Failed test
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  IOOF (Insignia) IOOF Personal Super · MLC MultiActive GearedPlatform · 12.24% p.a. over ten years · $795 a year at $50,000Failed test
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  IOOF (Insignia) IOOF Personal Super · MLC MultiActive GearedPlatform · 12.24% p.a. over ten years · $860 a year at $50,000Failed test
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  IOOF (Insignia) IOOF Personal Super · MLC MultiActive High GrowthPlatform · 9.86% p.a. over ten years · $730 a year at $50,000Failed test
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  IOOF (Insignia) IOOF Personal Super · MLC MultiActive High GrowthPlatform · 9.86% p.a. over ten years · $790 a year at $50,000Failed test
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  MLC Expand Expand Essential Retirement Boost (Super) · MLC MultiActive GearedPlatform · 12.24% p.a. over ten yearsFailed test
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  MLC Expand Expand Essential Retirement Boost (Super) · MLC MultiActive GearedPlatform · 12.24% p.a. over ten yearsFailed test
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  MLC Expand Expand Essential Retirement Boost (Super) · MLC MultiActive High GrowthPlatform · 9.86% p.a. over ten yearsFailed test
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  MLC Expand Expand Essential Retirement Boost (Super) · MLC MultiActive High GrowthPlatform · 9.86% p.a. over ten yearsFailed test
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  MLC Expand Expand Essential Super · MLC MultiActive GearedPlatform · 12.24% p.a. over ten years · $735 a year at $50,000Failed test
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  MLC Expand Expand Essential Super · MLC MultiActive GearedPlatform · 12.24% p.a. over ten yearsFailed test
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  MLC Expand Expand Essential Super · MLC MultiActive High GrowthPlatform · 9.86% p.a. over ten yearsFailed test
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  MLC Expand Expand Essential Super · MLC MultiActive High GrowthPlatform · 9.86% p.a. over ten years · $665 a year at $50,000Failed test
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  MLC Expand Expand Extra Retirement Boost (Super) · MLC MultiActive GearedPlatform · 12.24% p.a. over ten yearsFailed test
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  MLC Expand Expand Extra Retirement Boost (Super) · MLC MultiActive High GrowthPlatform · 9.86% p.a. over ten yearsFailed test
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  MLC Expand Expand Extra Super · MLC MultiActive GearedPlatform · 12.24% p.a. over ten years · $945 a year at $50,000Failed test
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  MLC Expand Expand Extra Super · MLC MultiActive High GrowthPlatform · 9.86% p.a. over ten years · $875 a year at $50,000Failed test
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  OnePath Grow Wrap Super and Pension Service · MLC MultiActive Geared TrustPlatform · 12.31% p.a. over ten years · $795 a year at $50,000Failed test
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  OnePath Grow Wrap Super and Pension Service · MLC MultiActive High Growth TrustPlatform · 9.95% p.a. over ten years · $730 a year at $50,000Failed test
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  OnePath (Oasis) Voyage Superannuation Master Trust · MLC MultiActive Geared TrustPlatform · 12.34% p.a. over ten years · $850 a year at $50,000Failed test
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  OnePath (Oasis) Voyage Superannuation Master Trust · MLC MultiActive High Growth TrustPlatform · 9.96% p.a. over ten years · $780 a year at $50,000Failed test

APRA's annual test compares each MySuper and trustee-directed option's eight-year return against a benchmark built from its own asset allocation. A fund that fails must write to members; two consecutive failures close the option to new members. Externally directed options are not tested.

• ⬆️
  $314bn3.6m member accounts
  AustralianSuperBest MySuper 8.27% p.a.
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  $213bn2.2m member accounts
  Australian Retirement TrustBest MySuper 8.58% p.a.
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  $146bn1.0m member accounts
  Aware SuperBest MySuper 8.44% p.a.
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  $113bn1.8m member accounts
  HostplusBest MySuper 8.70% p.a.

Assets and member accounts summed across every option the fund reports to APRA, so a fund with many options counts once. The four largest stand in for a Big 4; there is no fixed list.

BankMate began recording APRA editions with FY 2026. From the next edition this section lists options that flipped between pass and fail and every fee that moved by $25 or more at a $50,000 balance.

Data

APRA's Comprehensive Product Performance Package for MySuper and Choice products, published each year after 30 June and re-read weekly for corrections. Every option is snapshotted when the file changes, so an edition can be reproduced later.

Figures

This is the current edition. Returns are APRA's ten-year net figures for MySuper; fees are total annual fees and costs at a $50,000 balance. Changes compare this edition with the previous one for options present in both.

Scope

APRA-regulated MySuper and Choice options open to Australian members, as listed on BankMate, across 55 funds. Not financial advice. Methodology · Compare all