IOOF Personal Super Review
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 March 31st 2026 IOOF had approximately 279,710 members and $74.35 billion in assets under management across all their funds.
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 Personal Super Performance
IOOF’s main investment options have had mixed results against the median option of their respective risk profiles.
Select an investment option from the menu below to see performance Vs the relevant median.
See IOOF vs AustralianSuper to see how IOOF compares against one of Australia’s largest funds.
Past performance is not a reliable indicator of future performance.
IOOF Personal Super Fees
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.
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Conservative | 4.63% | 5.89% | 3.94% |
| Median | 4.8% | 6.1% | 4% |
| IOOF Personal Super Core - MLC MultiActive Conservative VS Median | -0.17% | -0.21% | -0.06% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Conservative | 78 | 1.39% | $773 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 9% | |
| 2 | International Shares | 11% | |
| 3 | Fixed Interest | 45% | |
| 4 | Alternative | 7% | |
| 5 | Property | 6% | |
| 6 | Cash | 22% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Australian Shares | -1.38% | 7.06% | 4.41% |
| Median | 8.8% | 11.1% | 7.5% |
| IOOF Personal Super Core - MLC MultiActive Australian Shares VS Median | -10.18% | -4.04% | -3.09% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Australian Shares | 78 | 1.69% | $923 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 100% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Growth | 6.3% | 9.47% | 6.26% |
| Median | 8.8% | 11.1% | 7.5% |
| IOOF Personal Super Core - MLC MultiActive Growth VS Median | -2.5% | -1.63% | -1.24% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Growth | 78 | 1.86% | $1008 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 31% | |
| 2 | International Shares | 38% | |
| 3 | Fixed Interest | 10% | |
| 4 | Alternative | 12% | |
| 5 | Property | 7% | |
| 6 | Cash | 2% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Moderate | 5.36% | 7.19% | 4.93% |
| Median | 6.4% | 7.9% | 5.3% |
| IOOF Personal Super Core - MLC MultiActive Moderate VS Median | -1.04% | -0.71% | -0.37% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Moderate | 78 | 1.52% | $838 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 16% | |
| 2 | International Shares | 20% | |
| 3 | Fixed Interest | 33% | |
| 4 | Alternative | 10% | |
| 5 | Property | 7% | |
| 6 | Cash | 14% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Capital Stable | 3.81% | 4.93% | 2.89% |
| Median | - | - | - |
| IOOF Personal Super Core - MLC MultiActive Capital Stable VS Median | 3.81% | 4.93% | 2.89% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Capital Stable | 78 | 1.09% | $623 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 5% | |
| 2 | International Shares | 5% | |
| 3 | Fixed Interest | 52% | |
| 4 | Alternative | 2% | |
| 5 | Property | 4% | |
| 6 | Cash | 32% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Balanced | 5.8% | 8.52% | 5.73% |
| Median | 7.7% | 9.6% | 6.5% |
| IOOF Personal Super Core - MLC MultiActive Balanced VS Median | -1.9% | -1.08% | -0.77% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Balanced | 78 | 1.81% | $983 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 25% | |
| 2 | International Shares | 29% | |
| 3 | Fixed Interest | 21% | |
| 4 | Alternative | 12% | |
| 5 | Property | 7% | |
| 6 | Cash | 6% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Global Shares | 8.31% | 12.57% | 7.87% |
| Median | 8.8% | 11.1% | 7.5% |
| IOOF Personal Super Core - MLC MultiActive Global Shares VS Median | -0.49% | 1.47% | 0.37% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| IOOF Personal Super Core - MLC MultiActive Global Shares | 78 | 1.47% | $813 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | International Shares | 100% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| IOOF Personal Super Core - IOOF Balanced Growth | 7.48% | 9.68% | 6.53% |
| Median | 7.7% | 9.6% | 6.5% |
| IOOF Personal Super Core - IOOF Balanced Growth VS Median | -0.22% | 0.08% | 0.03% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| IOOF Personal Super Core - IOOF Balanced Growth | 78 | 1.1% | $628 |
Asset Allocation
| 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% |
Performance data: Lonsec. Median benchmarks: Chant West. Data is updated monthly; the reporting period is shown in the tables. Investment options are compared with the Chant West median for their risk profile.
Insurance
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
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.
Fund details
FAQ's
We use investment performance data supplied by Lonsec and median benchmarks supplied by Chant West, both updated monthly.
Each investment option is assigned to a Chant West risk profile based on its proportion of growth assets. We then compare its return with the median benchmark for that risk profile over the same reporting period.
The difference shown in the table is the investment option’s return minus the median return.
Grouping options by growth asset allocation helps make comparisons more accurate, although options within the same profile can still have different investments and risks. Past performance is not a reliable indicator of future performance.
Member ratings and investment returns measure different things.
Member ratings reflect the experiences and opinions of people who submit reviews. These may relate to customer service, fees, insurance, administration or their satisfaction with investment performance.
Our performance tables compare an investment option’s reported returns with the relevant benchmark over specified periods. A fund can therefore deliver above median returns while receiving poor reviews for service or insurance or receive positive reviews despite below median returns.
Submitted reviews may not represent the experience of all members. Consider them alongside performance data, fees, insurance features and the fund’s official documents.
IOOF Personal Super Reviews
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.
3k a year in admin fees seems a little high
Have had no return on balance in the last 12 months