UniSuper Review
Founded in 1983, UniSuper is a super fund linked to the higher education and research sector.
As of March 31st 2026 they had approximately 728,810 members and $161.48 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.
UniSuper Performance
UniSuper’s performance across their main investment options has been mixed although generally favourable compared to the median performance of their risk categories.
Select an investment option from the menu below to see performance Vs the relevant median.
Check out our more in depth analysis of UniSuper Performance.
See UniSuper vs AustralianSuper to see how UniSuper compares with Australia’s biggest super fund and for a comparison against all funds see compare super funds.
UniSuper Fees
Fees for UniSuper’s MySuper Balanced investment option is below the median and is one of the lowest fee options within it’s risk category listed on Review My Super.
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 |
|---|---|---|---|
| UniSuper Accum (1) - Australian Bond | 0.32% | 2.58% | -0.38% |
| Median | - | - | - |
| UniSuper Accum (1) - Australian Bond VS Median | 0.32% | 2.58% | -0.38% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Australian Bond | 96 | 0.15% | $171 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Fixed Interest | 100% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Growth | 9.51% | 11.52% | 7.05% |
| Median | 7.7% | 9.6% | 6.5% |
| UniSuper Accum (1) - Growth VS Median | 1.81% | 1.92% | 0.55% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Growth | 96 | 0.61% | $401 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 31% | |
| 2 | International Shares | 42% | |
| 3 | Fixed Interest | 7.9% | |
| 4 | Alternative | 9% | |
| 5 | Property | 5% | |
| 6 | Cash | 5.1% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Conservative Balanced | 6.8% | 7.86% | 5.6% |
| Median | 6.4% | 7.9% | 5.3% |
| UniSuper Accum (1) - Conservative Balanced VS Median | 0.4% | -0.04% | 0.3% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Conservative Balanced | 96 | 0.53% | $361 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 19% | |
| 2 | International Shares | 24% | |
| 3 | Fixed Interest | 26% | |
| 4 | Alternative | 7% | |
| 5 | Property | 7% | |
| 6 | Cash | 17% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Cash | 3.99% | 4.15% | 3.27% |
| Median | - | - | - |
| UniSuper Accum (1) - Cash VS Median | 3.99% | 4.15% | 3.27% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Cash | 96 | 0.07% | $131 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Cash | 100% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Australian Income | 4.44% | 5.96% | 4.19% |
| Median | - | - | - |
| UniSuper Accum (1) - Australian Income VS Median | 4.44% | 5.96% | 4.19% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Australian Income | 96 | 0.21% | $201 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Fixed Interest | 100% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Australian Dividend Income | -2.28% | 9.73% | 7.34% |
| Median | 8.8% | 11.1% | 7.5% |
| UniSuper Accum (1) - Australian Dividend Income VS Median | -11.08% | -1.37% | -0.16% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Australian Dividend Income | 96 | 0.4% | $296 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 100% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum - MySuper Balanced | 8.5% | 10.02% | 6.48% |
| Median | 7.7% | 9.6% | 6.5% |
| UniSuper Accum - MySuper Balanced VS Median | 0.8% | 0.42% | -0.02% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum - MySuper Balanced | 96 | 0.51% | $351 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 27% | |
| 2 | International Shares | 35% | |
| 3 | Fixed Interest | 13.91% | |
| 4 | Alternative | 11% | |
| 5 | Property | 4% | |
| 6 | Cash | 9.09% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Global Environmental Opportunities | 4.3% | 0.18% | -1.91% |
| Median | 8.8% | 11.1% | 7.5% |
| UniSuper Accum (1) - Global Environmental Opportunities VS Median | -4.5% | -10.92% | -9.41% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Global Environmental Opportunities | 96 | 0.54% | $366 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | International Shares | 95% | |
| 2 | Alternative | 5% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - High Growth | 10.06% | 12.36% | 7.62% |
| Median | 8.8% | 11.1% | 7.5% |
| UniSuper Accum (1) - High Growth VS Median | 1.26% | 1.26% | 0.12% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - High Growth | 96 | 0.59% | $391 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 38% | |
| 2 | International Shares | 51% | |
| 3 | Alternative | 4% | |
| 4 | Property | 2% | |
| 5 | Cash | 5% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Australian Shares | 1.91% | 9.7% | 7.66% |
| Median | 8.8% | 11.1% | 7.5% |
| UniSuper Accum (1) - Australian Shares VS Median | -6.89% | -1.4% | 0.16% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Australian Shares | 96 | 0.68% | $436 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 100% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Global Companies in Asia | 8.49% | 13.01% | 8.73% |
| Median | 8.8% | 11.1% | 7.5% |
| UniSuper Accum (1) - Global Companies in Asia VS Median | -0.31% | 1.91% | 1.23% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Global Companies in Asia | 96 | 0.43% | $311 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | International Shares | 100% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - International Shares | 13.36% | 15.22% | 7.64% |
| Median | 8.8% | 11.1% | 7.5% |
| UniSuper Accum (1) - International Shares VS Median | 4.56% | 4.12% | 0.14% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - International Shares | 96 | 0.57% | $381 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | International Shares | 100% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Listed Property | -4.6% | 6.62% | 2.16% |
| Median | 8.8% | 11.1% | 7.5% |
| UniSuper Accum (1) - Listed Property VS Median | -13.4% | -4.48% | -5.34% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Listed Property | 96 | 0.25% | $221 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Property | 100% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Conservative | 5.24% | 6.1% | 4.41% |
| Median | 4.8% | 6.1% | 4% |
| UniSuper Accum (1) - Conservative VS Median | 0.44% | - | 0.41% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Conservative | 96 | 0.54% | $366 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 10% | |
| 2 | International Shares | 13% | |
| 3 | Fixed Interest | 38% | |
| 4 | Alternative | 7% | |
| 5 | Property | 7% | |
| 6 | Cash | 25% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Sustainable High Growth | 6.57% | 11.47% | 6.14% |
| Median | 8.8% | 11.1% | 7.5% |
| UniSuper Accum (1) - Sustainable High Growth VS Median | -2.23% | 0.37% | -1.36% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Sustainable High Growth | 96 | 0.46% | $326 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 34% | |
| 2 | International Shares | 57% | |
| 3 | Alternative | 4% | |
| 4 | Cash | 5% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Sustainable Balanced | 5.75% | 9.82% | 5.29% |
| Median | 7.7% | 9.6% | 6.5% |
| UniSuper Accum (1) - Sustainable Balanced VS Median | -1.95% | 0.22% | -1.21% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Sustainable Balanced | 96 | 0.46% | $326 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 27% | |
| 2 | International Shares | 40% | |
| 3 | Fixed Interest | 13.91% | |
| 4 | Alternative | 10% | |
| 5 | Cash | 9.09% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Balanced | 8.5% | 10.02% | 6.48% |
| Median | 7.7% | 9.6% | 6.5% |
| UniSuper Accum (1) - Balanced VS Median | 0.8% | 0.42% | -0.02% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Balanced | 96 | 0.51% | $351 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 27% | |
| 2 | International Shares | 35% | |
| 3 | Fixed Interest | 13.91% | |
| 4 | Alternative | 11% | |
| 5 | Property | 4% | |
| 6 | Cash | 9.09% |
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
Whilst members are offered default Death and Total and Permanent Disablement Cover, members can apply for additional cover, which can include Lump Sum Death Cover, Lump Sum Death and TPD cover and Salary Continuance Insurance cover.
Additional cover for Voluntary Insurance Cover is available with the following limits:
Death – no maximum
TPD – $3 million.
Income protection – up to $29,900 per month.
Insurance is provided by TAL Life Limited.
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
See the UniSuper ABN and USI page for all the information required to contribute to this fund.
Read their PDS and TMD for further 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.
If you have been unfortunate enough to have your super fund combine with UniSuper don’t expect any real service from UniSuper or any appology for the lack of service and they close your complaint without actually confirming with you whether it has been resolved, and their senior staff don’t actually want to talk to you as the customer to help. This is of course just my opinion and what I think but be careful!!!
If you have been unfortunate enough to have your super fund combine with UniSuper don’t expect any real service from UniSuper or any appology for the lack of service and they close your complaint without actually confirming with you whether it has been resolved, and their senior staff don’t actually want to talk to you as the customer to help. This is of course just my opinion and what I think but be careful!!!
Accessing income protection is a nightmare and is not available until you are out of work for 60 days. The paperwork is excessive and irrelevant it includes a full resume of all jobs you have held
poor returns and poor SOA
Fund seems to be improving from where it was 5 years ago
This fund has been losing me too much money. I have had my super in balanced option then conservative but didn’t make much difference. Thinking of closing the account
I was disgusted and disappointed that a) Unisuper ceased pension payments over the Christmas period (just when members need them!), and b) that Unisuper did not contact members to let them know that this would be happening. No information whatsoever has been forthcoming from this company regarding either the cessation or recommencement of pension payments; I have absolutely no idea when my next payment is coming into my bank account. What a lazy, greedy way to do business with other people’s money. Where are Unisuper’s ethics?
My second beef with this company is that members cannot access money from different accounts at the same time (e.g. accumulation account and pension account). Instead there was at least a few days’ wait to even apply to access
MY OWN MONEY once I had already applied to access one account. When I spoke to a Unisuper rep about this I was basically told it’s for members’ own good (like they’re doing me a favour!) as sometimes people make a mistake about the account they want to access. What?? So, instead of improving the clarity and ease of their online processes, members have to endure this lazy and unfair one-size-fits-all approach that Unisuper in its wisdom has adopted, which stops me from accessing the funds I need to live. Oh brother! Talk about a law unto themselves. One of my resolutions for the new year is to shop around for a better super fund. These people DO NOT PRIORITISE MEMBERS AND DO NOT CARE!