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What the Researchers Say:

A "reasonable value for money" superannuation fund that is performing well in a number of assessment areas but with average or below average features and/or performance in a number of other areas of our assessment.

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

  • Silver
Awards
Fund data valid as of April 30, 2016

Typical Fees

Balance This Fund Industry Average Difference
5k $96 $152 -$56
50k $955 $614 $341
100k $1,910 $1,133 $777

Investment Allocation

Intl shares 20.0%
Aus shares 30.0%
Property 10.0%
Alternative 5.0%
Fixed interest 33.0%
Cash 2.0%

Fees & Charges

Administration Fee ($) $0
Administration Fee (%) 0.00%
Investment Fee 1.91%
Switching Fee $0
Exit Fee $0
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 74,222
Total Assets $13,069,261,000
Year Started 1992
Target Market All Industries
Offered to Public? Yes
Fund Type Master Trust-Personal

Fund Highlights - provided by Macquarie SuperOptions - Super Plan

No information was provided by the fund to SuperRatings. Hence an alert rating may be given in areas where a qualitative assessment cannot be made. For available information refer to the fund's PDS.

Investment Option Performance

Asset Allocation Category FYTD FY 2015 FY 2014 FY 2013 FY 2012 FY 2011 Comparison
Balanced 7.86%
1.43%
12.16%
9.60%
12.37%
12.66%
0.16%
14.73%
11.68%
0.45%
Fund
Benchmark
Secure 1.16%
1.45%
1.26%
7.28%
1.88%
9.64%
3.08%
11.26%
3.22%
1.87%
Fund
Benchmark
Diversified Fixed Interest 2.27%
2.73%
3.14%
3.93%
1.20%
5.52%
7.88%
4.65%
5.63%
8.94%
Fund
Benchmark
Growth 9.15%
1.01%
15.85%
10.71%
15.30%
14.01%
-3.37%
17.11%
14.05%
-0.95%
Fund
Benchmark
Australian Shares 8.69%
1.10%
19.66%
5.70%
14.19%
16.77%
-10.24%
21.07%
13.74%
-6.15%
Fund
Benchmark
Overseas Shares 26.02%
-3.02%
13.78%
19.16%
26.08%
17.63%
8.88%
26.14%
6.35%
-2.45%
Fund
Benchmark
Capital Stable 3.81%
2.09%
5.80%
5.66%
6.93%
7.34%
3.91%
8.29%
7.41%
4.06%
Fund
Benchmark
Property 15.38%
9.58%
9.29%
10.78%
20.09%
9.09%
8.53%
10.99%
2.67%
7.12%
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

Macquarie SuperOptions - Super Plan is one of a range of superannuation products offered by Macquarie. Macquarie SuperOptions - Super Plan closed to new investments effective 1 June 2012.

The Fund offers a good choice of investment options including Sector-Specific and Multi-Sector investment options, enabling members to tailor their portfolios. The Macquarie Balanced option underperformed the SuperRatings Index over the 5 years to 30 June 2015.

Fees are higher than the industry average across all account balances assessed. However, certain portions of the fees are negotiable with financial advisers and a rebate applies to the management fee on account balances over $200,000. No transaction fees are charged for withdrawals or switching investments.

Insurance for Death, Total & Permanent Disablement (TPD) and Income Protection (IP) is available via the Macquarie Life range of products. Cover is tailored to members, with premiums calculated on an individual basis, and therefore information is not readily assessable.

Macquarie Wealth Management is able to offer comprehensive member education and access to financial advisers. Online access to portfolio information including past transactions, account balance and insurance cover are also available to members.


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