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What the Researchers Say:

A 'best value for money' superannuation fund. Well balanced across all key assessment criteria in a robust, secure and proven risk framework. The fund provides features that should assist most individuals to meet their retirement savings goals.

You should contact your financial adviser or this fund before making an investment decision.

  • Platinum
  • 10 Year Platinum Performance
  • Infinity Recognised
Awards
Fund data valid as of March 31, 2017

Typical Fees

Balance This Fund Industry Average Difference
50k $505 $683 -$178
250k $2,265 $2,914 -$649
500k $4,465 $5,526 -$1,061

Investment Allocation

Intl shares 27.0%
Aus shares 27.0%
Property 10.0%
Alternative 18.0%
Fixed interest 15.0%
Cash 3.0%

Fees & Charges

Membership Fee $65
Asset Admin Fee 0.10%
Investment Fee 0.78%
Switching Fee $30
Exit Fee $0
Account Size Discount Yes
Employer Size Discount N/A

Fund Features

Financial Planning Service
Health Insurance
Home Loans
Credit Cards
Binding Nominations
Non-lapsing Binding Nominations
Insurance Life Event Increases
Anti-detriment Payments
Long Term Income Protection

About this Fund

Membership 98,326
Total Assets $7,806,838,924
Year Started 2001
Target Market
Offered to Public?
Fund Type Industry-Allocated Pension

Fund Highlights - provided by NGS Super - Income Stream

Dedicated customer service team.
Interactive online financial education program.
Free financial planning seminars.
Online account access and financial planning services offered.

Investment Option Performance

Asset Allocation Category FYTD FY 2016 FY 2015 FY 2014 FY 2013 FY 2012 Comparison
Balanced 9.60%
3.93%
9.91%
13.27%
15.78%
-1.56%
Fund
Benchmark
High Growth 13.22%
12.14%
1.99%
0.82%
14.56%
13.21%
18.01%
17.79%
21.38%
22.59%
-6.98%
-3.09%
Fund
Benchmark
Conservative Balanced 8.15%
6.65%
3.35%
3.46%
8.30%
8.25%
11.07%
11.01%
12.92%
12.60%
1.56%
3.18%
Fund
Benchmark
Diversified Fixed Interest 1.84%
1.17%
2.53%
5.02%
4.03%
4.29%
5.70%
6.40%
6.04%
4.74%
5.77%
9.58%
Fund
Benchmark
Growth 10.83%
10.73%
4.10%
2.80%
11.00%
11.50%
15.54%
15.91%
18.52%
19.45%
-3.61%
-1.21%
Fund
Benchmark
Australian Shares 13.95%
14.98%
2.57%
2.22%
5.47%
6.75%
18.43%
18.31%
19.67%
23.30%
-8.09%
-6.67%
Fund
Benchmark
Overseas Shares 13.02%
12.63%
0.06%
-2.72%
22.35%
20.36%
17.84%
19.88%
26.01%
29.76%
-7.30%
-3.07%
Fund
Benchmark
Capital Stable 6.44%
4.43%
3.78%
3.64%
7.24%
6.35%
8.89%
8.17%
10.11%
9.14%
4.13%
4.79%
Fund
Benchmark
Property 6.84%
4.84%
13.00%
13.83%
8.41%
10.92%
12.65%
10.68%
10.99%
12.91%
8.19%
7.92%
Fund
Benchmark
Cash 1.80%
1.47%
2.56%
2.25%
2.94%
2.61%
3.17%
2.78%
4.27%
3.48%
5.46%
4.76%
Fund
Benchmark
  • Legend:
  • Outperformed average
  • Underperformed average
  • Negative returns

Annualised figures are the average per year returns of the rated option based on the cumulative returns for the past 5 years to 30/06/2016, past performance is not a reliable indicator of future performance. Performance and fee data is based on the option which is rated by SuperRatings and stated on each product's landing page.

Benchmark investment information - how performance is measured

To ensure comparability for consumers, the RateCity superannuation comparison is based on the asset allocation of each of the MySuper/Pension products, irrespective of the name of the investment option. This methodology allows consumers to compare products on a like for like basis and removes any ambiguities associated with the name of the investment option. For example, an investment option may be classified as growth, however its asset allocation may in fact mean it should be classified as high growth. By using the asset allocation as the dominant identifier, we believe this provides the most robust framework for consumers to compare funds and recognise that this is a consistent approach to that of SuperRatings methodology.

Option Type Percentage of Growth Assets
min-max %
High Growth 91-100%
Growth 77-90%
Balanced 60-76%
Conservative Balanced 41-59%
Capital Stable 20-40%
Secure 0-19%

What the researchers say

NGS Super is an industry super fund dedicated to people who work in education and community-focused organisations. NGS Super's Income Account has achieved a Platinum rating for the past 10 consecutive years. The fund is also Infinity Recognised, which is a result of its strong commitment to environmental and social principles.

NGS Super offers a range of 14 investment options to choose from, providing members with access to 9 Pre-Mixed and 5 Sector-Specific options, as well as the NGS Self-Managed option providing access to Direct Shares listed on the S&P/ASX 300, a range of Exchange Traded Funds (ETFs) and Term Deposits. The Diversified option underperformed the SuperRatings Index over the 5 years to 30 June 2016; however, outperformance over the longer term remains evident.

Fees are competitive across all account balances assessed, with the asset administration fee capped at $500 pa. Members receive one free investment change each financial year, while an exit fee is applied when a withdrawal is processed.

NGS Super provides good flexibility, with members having the ability to receive payments fortnightly through to annually. Pension payments can be indexed each year by a nominated percentage or in accordance with CPI. Members with more than one investment option can nominate the proportion of, or order in which, payments are to be drawn from each option. Beneficiary options are comprehensive, including both binding and non-binding nominations, as well as reversionary pensions.

A range of online tools, calculators and educational resources are available through the fund's website, with an online advice tool, NGS SuperMap, and free seminars also on offer. The fund's secure website, Member Online, further enables members to view account information and update and makes changes to their accounts online.