Compare national superannuation funds

Learn how you can start planning for your retirement. RateCity compares superannuation products from 100 Australian Superannuation funds. Compare national super fund rates, fees, performance and more. - Data last updated on 31 Mar 2019

Compare national superannuation

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Every Australian who works in a part-time, full-time or casual jobs will pay into a national superannuation fund. The money that goes into your superannuation fund will go towards your retirement. It is like a little nest egg that gets beefed up with each payslip and is accessed when you retire.

What is a national superannuation fund?

A national superannuation fund, also known as an Australian superannuation fund or a personal superannuation fund, is one of the most effective ways to save for your retirement. A little bit of your money will be taken from your pay cheque and will be pooled with other people’s superannuation money and invested into different investments. Your employer will make superannuation contributions on your behalf but you can also add a little extra or top up your super fund whenever you want. You can’t access this money until you retire though, so choosing the best superannuation fund is important.

What are the different types of national superannuation funds?

Each superannuation fund is different so you should pick the fund that best suits your lifestyle, career and goals. There are many superannuation funds for you to choose from. Self-managed super funds give you more control over your superannuation. It means you are the manager of your super fund, which means you are in control of your retirement and your future. There is a lot of work involved in running a self-managed super fund. 

Retail superannuation funds are usually run by banks or investment companies and they often offer a variety of investment options. Anyone can join them but they often run at medium to high costs with the banks or companies who run them looking to retain a profit.

Industry superannuation funds, which are sometimes restricted to workers of a particular industry, are not-for-profit entities. They put the profits back into the superannuation fund so the members receive all the benefits.

These are some but not all of the superannuation funds you can choose from.

How do I choose the right national superannuation fund for me?

Choosing the right superannuation fund is important because it helps set you up for retirement. Think of your super as a friend that follow you through life. The more investment you make in the friendship the better it pays off in the long term.

Most employees can choose their superannuation fund, however some people can’t because of an industrial agreement or a previous superannuation arrangement. Talk to your employer about your options.

If you can choose your fund, you’ll be given a 'standard choice form' when you begin employment. This form will let you pick your own superannuation fund. You can choose your own or go with the one your employer has set up.

Make sure you provide your tax file number when you join a superannuation fund so that you are taxed at a special lower rate.

What should I look for when comparing national superannuation funds?

There are some key things to look for when comparing superannuation funds.

Look at the fees involved, understand where your money is being invested, analyse the fund’s performance, understand what insurance is on offer for your superannuation and check out the services your fund has on offer.

FAQs

The value of your assets affects whether you can qualify for the age pension – and, if so, how much.

The following assets are exempt from the assets test:

  • your principal home and up to two hectares of used land on the same title
  • all Australian superannuation investments from which a pension is not being paid – this exemption is valid until you reach age pension age
  • any property or money left to you in an estate, which you can’t get for up to 12 months
  • a cemetery plot and a prepaid funeral, or up to two funeral bonds, that cost no more than the allowable limit
  • aids for people with disability
  • money from the National Disability Insurance Scheme for people with disability
  • principal home sale proceeds you’ll use to buy another home within 12 months
  • accommodation bonds paid on entry to residential aged care
  • any interest not created by you or your partner
  • a Special Disability Trust if it meets certain requirements
  • your principal home, if you vacate it for up to 12 months
  • granny flat rights where you pay more than the extra allowable amount

For full pensions, reductions apply when your assessable assets exceed these thresholds:

Category

Home owners

Non-home owners

Singles

$253,750

$456,750

Couples living together

$380,500

$583,500

Couples living apart due to ill health

$380,500

$583,500

Couples with only one partner eligible

$380,500

$583,500

For part pensions, reductions apply when your assessable assets exceed these thresholds:

Category

Home owners

Non-home owners

Singles

$550,000

$753,000

Couples living together

$827,000

$1,030,000

Couples living apart due to ill health

$973,000

$1,176,000

Couples with only one partner eligible

$827,000

$1,030,000

For transitional rate pensions, reductions apply when your assessable assets exceed these thresholds:

Category

Home owners

Non-home owners

Singles

$503,250

$706,250

Couples living together

$783,000

$986,000

Couples living apart due to ill health

$879,500

$1,082,500

Couples with only one partner eligible

$783,000

$986,000

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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