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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 May 31, 2016

Typical Fees

Balance This Fund Industry Average Difference
5k $109 $157 -$48
50k $500 $634 -$134
100k $935 $1,169 -$234

Investment Allocation

Intl shares 28.0%
Aus shares 22.0%
Property 5.0%
Alternative 35.0%
Fixed interest 5.0%
Cash 5.0%

Fees & Charges

Administration Fee ($) $65
Administration Fee (%) 0.10%
Investment Fee 0.77%
Switching Fee $30
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 99,447
Total Assets $6,888,682,268
Year Started 1988
Target Market Education, Finance, Community Services
Offered to Public? Yes
Fund Type Industry-Public Offer

Fund Highlights - provided by NGS Super - Industry Plan

Strong long-term investment performance.
An Industry Super Fund - only run to benefit members.
Strong focus on member education.
Cost effective financial planning service.
Very competitive insurance offering.
NGS Super Pension - providing an income stream in retirement.
Low cost banking products provided through Members Equity Bank.

Investment Option Performance

Asset Allocation Category FYTD FY 2015 FY 2014 FY 2013 FY 2012 FY 2011 Comparison
Balanced 4.33%
3.68%
8.89%
9.60%
11.78%
12.66%
13.82%
14.73%
-1.55%
0.45%
10.47%
8.71%
Fund
Benchmark
High Growth 4.57%
3.45%
12.95%
11.66%
15.78%
15.76%
18.42%
20.40%
-6.77%
-3.15%
12.18%
9.40%
Fund
Benchmark
Conservative Balance 3.93%
3.36%
7.28%
7.28%
9.76%
9.64%
11.36%
11.26%
1.39%
1.87%
8.72%
7.70%
Fund
Benchmark
Diversified Fixed Interest 1.92%
3.55%
3.46%
3.93%
4.92%
5.52%
5.18%
4.65%
4.57%
8.94%
5.05%
5.65%
Fund
Benchmark
Growth 5.05%
3.64%
9.83%
10.71%
14.06%
14.01%
16.57%
17.11%
-3.08%
-0.95%
10.90%
9.40%
Fund
Benchmark
Australian Shares 5.08%
4.38%
5.04%
5.70%
16.30%
16.77%
17.27%
21.07%
-6.55%
-6.15%
15.11%
11.00%
Fund
Benchmark
Overseas Shares 3.50%
1.37%
19.90%
19.16%
15.77%
17.63%
22.51%
26.14%
-6.27%
-2.45%
7.70%
5.86%
Fund
Benchmark
Capital Stable 3.69%
3.24%
6.30%
5.66%
7.77%
7.34%
8.70%
8.29%
2.97%
4.06%
7.70%
6.70%
Fund
Benchmark
Property 9.79%
10.46%
7.59%
10.78%
11.46%
9.09%
9.99%
10.99%
7.90%
7.12%
18.11%
8.00%
Fund
Benchmark
Cash 1.99%
1.74%
2.48%
2.25%
2.73%
2.42%
3.66%
2.94%
4.54%
4.04%
4.89%
4.33%
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

NGS Super is the national superannuation fund dedicated to education and community-focused organisations. Members from outside these industry groups can join the Personal Plan and receive the same benefits. The fund offers excellent value for members, evidenced by NGS Super securing a SuperRatings Platinum rating for the eleventh consecutive year. The fund is also Infinity Recognised for demonstrating excellent environmental and social principles.

Members have access to seven Multi Sector and five Asset Specific options, as well as direct investments in ASX-listed companies, exchange traded funds and term deposits through the NGS self-managed option. The default Diversified option underperformed the relevant SuperRatings Index in 2015 and over the long term.

Fees are competitive across all account balances assessed, with the asset administration fees capped at $500. Members receive 1 free investment switch per financial year, as well as free lump sum withdrawals.

The NGS Super's insurance offerings provides choice and flexibility across a competitively priced premium structure, designed specifically to accommodate the needs of members of varying ages and occupational categories. Features include reasonable automatic acceptance levels, short and long term IP and a good selection of death benefit choices including binding, reversionary, child pension and anti-detriment payments. Financial Planning services are also available.