Growth super funds, which allocate the majority of their assets to growth investments like shares and property, aim to deliver higher returns over the long term. This guide provides an in-depth analysis of top-performing growth super funds, focusing on performance and fees to assist you in making an informed decision.
Please Note: Any advice on this page is general in nature and does not take into account your objectives, financial situation or needs. Consider whether this is right for you. See full disclaimer.
Past performance is not a reliable indicator of future performance.
As of June 30 2025.
Rank
Fund Investment Option
Return
As of June 30 2025.
Rank
Fund Investment Option
Return
As of June 30 2025.
Rank
Fund Investment Option
Return
Source: All performance data on this page is sourced from SuperRatings (SuperRatings Pty Ltd). The rankings are not provided by SuperRatings but rather are a ranking of all the investment options listed on this website with a growth allocation between 91-100% (SuperRating’s High Growth risk profile) excluding single sector options e.g. Australian Shares only funds. Whilst this covers the majority of super fund investment options, not every fund and every investment option is listed on this website and therefore there may be options that could be in this list that aren’t.
Super fund investment options are classed into risk profiles or categories depending on how much growth assets they have from high growth, to secure. We use Lonsec’s (Super rating’s) definition of a High Growth investment option which is 91% – 100% growth assets. This strategy offers the potential for substantial capital appreciation, making it the most aggressive investment option within the superannuation spectrum. However, this growth potential comes with a tradeoff: greater exposure to market volatility and a higher level of risk compared to other options.
Investors in high growth super funds can expect the potential for exceptional returns over the long term, especially during periods of strong market performance. These funds capitalize on the high returns associated with equities and other growth assets during favorable market conditions.
However, with the increased return potential comes heightened susceptibility to market downturns. In periods of economic uncertainty or recession, high growth funds may experience significant short-term losses. Investors should be prepared for this volatility and understand that these funds are not suited for those seeking stability or steady growth.
The defining characteristic of high growth super funds is their aggressive approach to investing. By dedicating nearly all their portfolio to growth assets, these funds aim to maximize returns, but they do so at the expense of greater short-term risk. This trade-off makes high growth funds highly sensitive to market conditions, meaning they can deliver significant gains in bull markets and steep declines in bear markets.
Growth super funds are most suitable for individuals with a long investment horizon and a moderate to high risk tolerance. They are ideal for:
Younger Investors: With decades until retirement, younger investors have the advantage of time to weather short-term market fluctuations and benefit from compounding returns over the long term.
Those Seeking Aggressive Growth: Investors with financial goals requiring substantial capital appreciation may find growth funds align well with their objectives.
A High Risk Tolerance: Investors comfortable with significant short-term volatility and the possibility of negative returns in some years are better suited to high growth funds.
However, they are unlikely to be appropriate for retirees or those nearing retirement who need to preserve their capital and prioritize income stability over high returns. Such individuals might prefer balanced or conservative funds with lower risk profiles.
