Secure super funds, which allocate nearly all of their assets to defensive investments like cash and fixed interest, aim to deliver more stable returns with less risk of capital loss compared to all other categories. This guide provides an in-depth analysis of top-performing Secure 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 0-19% (SuperRating’s Secure risk profile). 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 Secure investment option which is 0% – 19% growth assets. Secure super funds are designed for investors seeking stability and capital preservation rather than high returns. With the majority of their assets allocated to defensive options such as cash, fixed income, and bonds.
Investors in secure super funds can expect steady, predictable returns with minimal risk of capital loss. These funds are structured to withstand market volatility, offering protection during economic downturns. However, the lower allocation to growth assets means that the potential for substantial capital growth is limited compared to more aggressive options like balanced or high growth funds.
Secure super funds prioritize capital preservation over growth, which comes at the cost of lower returns. By focusing on defensive assets, these funds significantly reduce risk, making them an attractive choice for investors who value stability and predictability. However, the low exposure to growth assets limits the ability of these funds to deliver significant long-term gains.
Secure super funds are best suited for:
Retirees or Near-Retirees: Investors who are approaching retirement or have already retired may prioritize capital preservation and a steady income stream over high returns.
Low Risk Tolerance: These funds are ideal for individuals who are highly risk-averse and prefer to avoid significant market fluctuations.
Short-Term Goals: Investors planning to use their superannuation savings in the near future may find secure funds beneficial for safeguarding their capital.
However, for younger investors or those with a longer investment horizon, secure funds may not provide the growth needed to maximize retirement savings. In such cases, balanced or growth funds may be more suitable options.
