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What the Researchers Say:

A "good value for money" superannuation fund that is strong in nearly all assessment areas but with average features and/or performance in one or more of our assessment criteria.

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

  • Gold
Awards
Fund data valid as of July 31, 2016

Typical Fees

Balance This Fund Industry Average Difference
5k $135 $156 -$21
50k $576 $627 -$51
100k $1,066 $1,155 -$89

Investment Allocation

Intl shares 32.0%
Aus shares 32.0%
Property 6.0%
Fixed interest 25.0%
Cash 5.0%

Fees & Charges

Administration Fee ($) $86
Administration Fee (%) 0.47%
Investment Fee 0.51%
Switching Fee $0
Exit Fee $80
Account Size Discount Yes
Employer Size Discount No

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 46,639
Total Assets $2,995,245,258
Year Started 2010
Target Market All Industries
Offered to Public? Yes
Fund Type Master Trust-Personal

Fund Highlights - provided by Aon Master Trust Personal Super - Essentials

Access to additional benefits via a range of financial products and services, and the WeCare program.
Option to transfer in other super fund or retail insurance with no additional underwriting and at group rates. Flexible, value-for-money Death/TPD/Income Protection options, with, minimum level Death and TPD cover. Short/long-term income protection with choice of waiting/benefit payment periods.
Comprehensive education material, including insurance application tools for advisers and online super, retirement and insurance calculators.
Pension consolidation account (to help individuals consolidate/add to their super monies before starting a Pension).

Investment Option Performance

Asset Allocation Category FYTD FY 2015 FY 2014 FY 2013 FY 2012 FY 2011 Comparison
Balanced 3.05%
2.65%
3.40%
2.81%
9.94%
9.60%
13.29%
12.66%
16.74%
14.73%
1.11%
0.45%
Fund
Benchmark
High Growth 4.17%
3.67%
1.74%
0.68%
11.99%
11.66%
17.16%
15.76%
23.12%
20.40%
-2.28%
-3.15%
Fund
Benchmark
Secure 0.38%
2.01%
4.51%
2.82%
3.39%
7.28%
3.83%
9.64%
2.69%
11.26%
7.28%
1.87%
Fund
Benchmark
Diversified Fixed Interest 0.65%
0.65%
5.55%
4.43%
4.63%
3.93%
5.52%
5.52%
4.89%
4.65%
10.49%
8.94%
Fund
Benchmark
Growth 3.65%
3.18%
2.89%
2.10%
11.07%
10.71%
15.45%
14.01%
20.23%
17.11%
-0.38%
-0.95%
Fund
Benchmark
Australian Shares 5.56%
5.68%
2.31%
1.50%
5.98%
5.70%
16.66%
16.77%
20.97%
21.07%
-5.82%
-6.15%
Fund
Benchmark
Overseas Shares 3.39%
2.74%
-4.23%
-2.30%
19.31%
19.16%
16.08%
17.63%
26.85%
26.14%
-4.27%
-2.45%
Fund
Benchmark
Capital Stable 1.54%
1.32%
5.72%
3.36%
6.98%
5.66%
8.15%
7.34%
8.67%
8.29%
5.87%
4.06%
Fund
Benchmark
Cash 0.10%
0.16%
1.43%
1.90%
1.71%
2.25%
1.87%
2.42%
2.42%
2.94%
3.58%
4.04%
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 30/06/2015, 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

Aon Master Trust Personal Super - Essentials was introduced in 2010 and is designed for individuals, the self-employed and for companies with less than five employees.

Members are offered a broad selection of over 30 Pre-Mixed and Single Sector investment options, as well as a Direct Investment Option, which provides access to Direct Shares, ETFs and Term Deposits. The Balanced Growth - Index option has historically provided strong returns compared with the SuperRatings Index.

Fees are competitive across all account balances assessed and a portfolio rebate applies for balances over $250,000. No fees are charged for switching investments; however, an exit fee applies for withdrawals.

Aon Master Trust provides a good insurance structure, offering members flexibility and competitive premiums. A full suite of insurance cover is available, including Income Protection (IP) with payment periods of 2 years, 5 years and to age 65, and a choice of waiting periods.

The fund offers access to online calculators, scaled advice and full financial planning. Additionally, the WeCare program offers members and their families benefits such as legal advice, home assistance, funeral assistance, counselling and grief services.


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