IOOF, which stands for the Independent Order of Odd Fellows, was founded in 1846.
In October 2021, IOOF announced it’s rebrand to Insignia Financial. However, they’re keeping their Super products branded as IOOF.
As of September 30th 2024 IOOF Personal Super had approximately 34,080 members and $3.14 billion in assets under management.
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.
IOOF’s main investment options have had mixed results against the median option of their respective risk profiles.
See IOOF vs AustralianSuper to see how IOOF compares against one of Australia’s largest funds.
Select an investment option from the menu below to see performance Vs the relevant median.
Past performance is not a reliable indicator of future performance.
IOOF’s Growth, Balanced and Conservative investment options all have fees above the median option for their respective risk profiles.
Select an investment option from the menu below to see flat fees, percentage based fees and total fees on a balance of $50,000.
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Conservative | 6.87% | 6.45% | 4.68% |
| Median | 7.7% | 6.6% | 4.8% |
| IOOF Personal Super Core - MLC MultiActive Conservative VS Median | -0.83% | -0.15% | -0.12% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Conservative | 78 | 1.4% | $778 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 9% | |
| 2 | International Shares | 11% | |
| 3 | Fixed Interest | 45% | |
| 4 | Alternative | 7% | |
| 5 | Property | 6% | |
| 6 | Cash | 22% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Australian Shares | 8.89% | 9.61% | 9.84% |
| Median | 12.8% | 12.2% | 10.8% |
| IOOF Personal Super Core - MLC MultiActive Australian Shares VS Median | -3.91% | -2.59% | -0.96% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Australian Shares | 78 | 1.7% | $928 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 100% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Growth | 10.48% | 10.93% | 9.51% |
| Median | 12.8% | 12.2% | 10.8% |
| IOOF Personal Super Core - MLC MultiActive Growth VS Median | -2.32% | -1.27% | -1.29% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Growth | 78 | 1.87% | $1013 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 31% | |
| 2 | International Shares | 38% | |
| 3 | Fixed Interest | 10% | |
| 4 | Alternative | 12% | |
| 5 | Property | 7% | |
| 6 | Cash | 2% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Moderate | 8.15% | 8.18% | 6.73% |
| Median | 9.9% | 8.5% | 7% |
| IOOF Personal Super Core - MLC MultiActive Moderate VS Median | -1.75% | -0.32% | -0.27% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Moderate | 78 | 1.53% | $843 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 16% | |
| 2 | International Shares | 20% | |
| 3 | Fixed Interest | 33% | |
| 4 | Alternative | 10% | |
| 5 | Property | 7% | |
| 6 | Cash | 14% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Capital Stable | 5.79% | 5.44% | 3.4% |
| Median | - | - | - |
| IOOF Personal Super Core - MLC MultiActive Capital Stable VS Median | 5.79% | 5.44% | 3.4% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Capital Stable | 78 | 1.1% | $628 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 5% | |
| 2 | International Shares | 5% | |
| 3 | Fixed Interest | 52% | |
| 4 | Alternative | 2% | |
| 5 | Property | 4% | |
| 6 | Cash | 32% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Balanced | 9.52% | 9.65% | 8.18% |
| Median | 11.5% | 10.6% | 8.9% |
| IOOF Personal Super Core - MLC MultiActive Balanced VS Median | -1.98% | -0.95% | -0.72% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Balanced | 78 | 1.82% | $988 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 25% | |
| 2 | International Shares | 29% | |
| 3 | Fixed Interest | 21% | |
| 4 | Alternative | 12% | |
| 5 | Property | 7% | |
| 6 | Cash | 6% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Global Shares | 14.53% | 16.18% | 11.89% |
| Median | 12.8% | 12.2% | 10.8% |
| IOOF Personal Super Core - MLC MultiActive Global Shares VS Median | 1.73% | 3.98% | 1.09% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Global Shares | 78 | 1.48% | $818 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | International Shares | 100% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| IOOF Personal Super Core - IOOF Balanced Growth | 10.46% | 10.78% | 8.68% |
| Median | 11.5% | 10.6% | 8.9% |
| IOOF Personal Super Core - IOOF Balanced Growth VS Median | -1.04% | 0.18% | -0.22% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| IOOF Personal Super Core - IOOF Balanced Growth | 78 | 1.11% | $633 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 25% | |
| 2 | International Shares | 30% | |
| 3 | Fixed Interest | 13% | |
| 4 | Alternative | 15% | |
| 5 | Property | 7% | |
| 6 | Other | 5% | |
| 7 | Cash | 5% |
This fund offers death a flexible approach to insurance, allowing members to customize their coverage or opt for default policies.
Insurance Cover is available with the following limits:
Death – No maximum
TPD – $5 million.
Income protection – up to 75% of your income (plus super) with a maximum of $60,000 per month.
Insurance is provided by TAL Life Limited.
Members also have the option of obtaining insurance from other retail insurers.
Insurance rating by Omnilife.
Please note: This is the overall rating before individual circumstances are taken into account. Individual circumstances will vary the rating significantly.
IOOF’s Performance have had mixed results against the median option of their risk profiles. Fees are generally higher than other funds of the same risk category listed on Review My Super.
Based on this evidence, it would depend on your risk tollerance and what investment option you’re in as to whether IOOF is a good super fund for you.
However, there are many factors which determine whether a super fund is good or bad and it can differ depending on personal requirements. It’s best to seek advice from a qualified adviser in order to work out which is the best super fund for you.
Yes, it is an APRA fund.
No, it is a retail fund.
1.0 out of 5 stars from 2 customer reviews on Australia’s best superannuation review site Review My Super.
See more Super Fund Reviews to compare ratings and reviews across funds.
