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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 April 30, 2017

Typical Fees

Balance This Fund Industry Average Difference
5k $177 $154 $23
50k $420 $604 -$184
100k $840 $1,110 -$270

Investment Allocation

Intl shares 24.0%
Aus shares 31.0%
Property 8.0%
Alternative 7.0%
Fixed interest 30.0%

Fees & Charges

Administration Fee ($) $0
Administration Fee (%) 0.04%
Investment Fee 0.80%
Switching Fee $0
Exit Fee $60
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

Total Assets $34,387,000,000
Year Started 2010
Target Market All Industries
Offered to Public? Yes
Fund Type Master Trust-Personal

Fund Highlights - provided by OnePath OneAnswer Frontier Personal Super

Extensive investment menu including capital protected funds and term deposits.
Simple and transparent fees.
Interactive online financial education, calculators and seminars.

Investment Option Performance

Asset Allocation Category FYTD FY 2016 FY 2015 FY 2014 FY 2013 FY 2012 Comparison
Balanced 8.34%
9.93%
3.94%
2.81%
10.85%
9.60%
13.08%
12.66%
16.49%
14.73%
1.09%
0.45%
Fund
Benchmark
High Growth 12.70%
13.64%
0.22%
0.68%
10.45%
11.66%
14.93%
15.76%
20.35%
20.40%
-6.11%
-3.15%
Fund
Benchmark
Conservative Balance 6.30%
6.80%
2.63%
2.82%
7.47%
7.28%
9.42%
9.64%
11.28%
11.26%
0.27%
1.87%
Fund
Benchmark
Growth 10.68%
11.32%
1.00%
2.10%
9.58%
10.71%
13.12%
14.01%
17.68%
17.11%
-4.06%
-0.95%
Fund
Benchmark
Australian Shares 13.13%
14.75%
-2.65%
1.50%
4.19%
5.70%
15.65%
16.77%
23.82%
21.07%
-8.06%
-6.15%
Fund
Benchmark
Overseas Shares 12.62%
15.44%
7.63%
-2.30%
25.23%
19.16%
18.08%
17.63%
31.18%
26.14%
-5.75%
-2.45%
Fund
Benchmark
Capital Stable 3.76%
4.72%
3.42%
3.36%
5.94%
5.66%
6.89%
7.34%
7.25%
8.29%
Fund
Benchmark
Property 2.98%
5.94%
18.43%
12.55%
14.96%
10.78%
13.55%
9.09%
21.63%
10.99%
6.42%
7.12%
Fund
Benchmark
Cash 1.01%
1.43%
1.55%
1.90%
1.84%
2.25%
1.89%
2.42%
2.63%
2.94%
3.63%
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 30/06/2016, 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

OneAnswer Frontier is a comprehensive fee for service advice solution offered by OnePath, ANZ's brand for wealth, insurance and advice.

OneAnswer Frontier offers a comprehensive investment menu, providing members with access to over 80 managed funds, including OptiMix Manage the Managers funds and OnePath Multi-manager funds, as well as a range of Term Deposits. The Vanguard Growth Index option outperformed the SuperRatings Index over the 5 years to 30 June 2016.

Fees are competitive and lower than the industry average across all member account balances assessed, with rebates available on account balances over $300K. An exit fee is applied upon the closure of an account, while no switching fee is charged.

Insurance cover is available through OnePath's Onecare Super. OneCare Super offers a comprehensive range of insurance products including Life Cover, TPD Cover and Income Secure Cover. Members can choose between aged based or averaged out premiums, with discounts offered depending on the amount insured, combination of covers and the number of lives linked under a single policy.

A range of online resources and services are available through the fund's website, while 'InvestorBenefits' provide members with access to a range of discounts and special offers.


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