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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 December 31, 2016

Typical Fees

Balance This Fund Industry Average Difference
5k $325 $154 $171
50k $710 $620 $90
100k $1,300 $1,143 $157

Investment Allocation

Intl shares 26.0%
Aus shares 32.0%
Property 5.0%
Alternative 9.0%
Fixed interest 24.0%
Cash 4.0%

Fees & Charges

Administration Fee ($) $0
Administration Fee (%) 1.00%
Investment Fee 0.42%
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 39,317
Total Assets $1,182,787,938
Year Started 1998
Target Market All industries
Offered to Public? Yes
Fund Type Master Trust-Personal

Fund Highlights - provided by Zurich Superannuation Plan

Extensive choice of investment options
Management fees are applicable and there are savings to be made on large account balances
Anti-detriment benefit entitlement calculated on death
Contributions can be paid by cheque, direct debit or BPay
Minimum initial investment is $150 per month for regular contributions or $2,500 for lump sums
Regular investment plan available
Complete financial protection with Death, TPD, Income Protection and Accidental Death

Investment Option Performance

Asset Allocation Category FYTD FY 2016 FY 2015 FY 2014 FY 2013 FY 2012 Comparison
Balanced 5.32%
5.52%
0.08%
2.81%
8.31%
9.60%
12.58%
12.66%
16.30%
14.73%
-1.56%
0.45%
Fund
Benchmark
Conservative Balance 3.28%
3.72%
1.46%
2.82%
6.35%
7.28%
10.30%
9.64%
12.29%
11.26%
0.89%
1.87%
Fund
Benchmark
Growth 6.93%
6.61%
-1.28%
2.10%
10.25%
10.71%
14.79%
14.01%
19.81%
17.11%
-3.92%
-0.95%
Fund
Benchmark
Australian Shares 7.45%
9.45%
-1.31%
1.50%
2.40%
5.70%
17.78%
16.77%
17.79%
21.07%
-8.84%
-6.15%
Fund
Benchmark
Overseas Shares 2.84%
8.87%
-2.42%
-2.30%
20.81%
19.16%
13.14%
17.63%
22.21%
26.14%
-2.71%
-2.45%
Fund
Benchmark
Capital Stable 1.69%
2.47%
2.27%
3.36%
4.30%
5.66%
7.37%
7.34%
8.13%
8.29%
3.34%
4.06%
Fund
Benchmark
Property -1.42%
2.50%
20.33%
12.55%
14.61%
10.78%
10.98%
9.09%
22.65%
10.99%
8.65%
7.12%
Fund
Benchmark
Cash 0.16%
0.85%
0.56%
1.90%
0.88%
2.25%
1.00%
2.42%
1.18%
2.94%
2.48%
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

Established in 1998, Zurich Superannuation Plan is designed for individuals wanting direct access to a personal super fund.

Members have access to 14 Diversified and Single-Sector investment strategies, as well as one Single Manager option. The Managed Growth option has underperformed the SuperRatings Index over the five years to 30 June 2016.

Fees for this product are lower than the industry average across medium and large account balances assessed. A minimum administration fee of $304.32 p.a. is applicable on account balances under $30,433. However, members with larger account balances are offered reduced administration fees. Furthermore, no exit fees and switching fees are charged, although changing investment options may incur transaction costs.

Zurich Superannuation Plan provides members with flexible insurance offering, which includes Death only, Death & TPD and Income Protection (IP) cover. Members can apply for unlimited Death only cover and up to $5 million of Death & TPD cover. IP is offered over a 2 year, 5 year or to age 65 benefit period, covering a maximum of 75% of a member's salary or up to $30,000 per month, with a choice of a variety of waiting periods ranging from 14 to 720 days. As premiums are tailored to an individual's circumstances, our ratings are indicative only.

The fund's website is easy to navigate, which contains useful superannuation information to assist members. Members can also access their accounts via My Zurich.


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