Founded in 1983, UniSuper is a super fund linked to the higher education and research sector.
As of September 30th 2024 they had approximately 691,980 members and $144.2 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’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.
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.
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Australian Bond | 1.16% | 1.38% | -0.1% |
| Median | - | - | - |
| UniSuper Accum (1) - Australian Bond VS Median | 1.16% | 1.38% | -0.1% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Australian Bond | 96 | 0.15% | $171 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Fixed Interest | 100% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Growth | 9.74% | 9.62% | 7.17% |
| Median | 7.8% | 8.2% | 6.6% |
| UniSuper Accum (1) - Growth VS Median | 1.94% | 1.42% | 0.57% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Growth | 96 | 0.61% | $401 |
| 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% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Conservative Balanced | 6.93% | 6.18% | 5.48% |
| Median | 6.6% | 6.8% | 5.4% |
| UniSuper Accum (1) - Conservative Balanced VS Median | 0.33% | -0.62% | 0.08% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Conservative Balanced | 96 | 0.53% | $361 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 19% | |
| 2 | International Shares | 24% | |
| 3 | Fixed Interest | 22.4% | |
| 4 | Alternative | 7% | |
| 5 | Property | 7% | |
| 6 | Cash | 20.6% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Cash | 3.85% | 4.09% | 2.91% |
| Median | - | - | - |
| UniSuper Accum (1) - Cash VS Median | 3.85% | 4.09% | 2.91% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Cash | 96 | 0.07% | $131 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Cash | 100% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Australian Income | 4.19% | 6.01% | 3.62% |
| Median | - | - | - |
| UniSuper Accum (1) - Australian Income VS Median | 4.19% | 6.01% | 3.62% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Australian Income | 96 | 0.21% | $201 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Fixed Interest | 100% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Australian Dividend Income | 6.74% | 8.7% | 9.23% |
| Median | 8.8% | 9.4% | 7.6% |
| UniSuper Accum (1) - Australian Dividend Income VS Median | -2.06% | -0.7% | 1.63% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Australian Dividend Income | 96 | 0.4% | $296 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 100% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum - MySuper Balanced | 8.17% | 8.18% | 6.58% |
| Median | 7.8% | 8.2% | 6.6% |
| UniSuper Accum - MySuper Balanced VS Median | 0.37% | -0.02% | -0.02% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum - MySuper Balanced | 96 | 0.51% | $351 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 27% | |
| 2 | International Shares | 35% | |
| 3 | Fixed Interest | 12.4% | |
| 4 | Alternative | 11% | |
| 5 | Property | 4% | |
| 6 | Cash | 10.6% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Global Environmental Opportunities | 7.27% | -2.46% | -2.1% |
| Median | 8.8% | 9.4% | 7.6% |
| UniSuper Accum (1) - Global Environmental Opportunities VS Median | -1.53% | -11.86% | -9.7% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Global Environmental Opportunities | 96 | 0.54% | $366 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | International Shares | 95% | |
| 2 | Alternative | 5% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - High Growth | 10.07% | 10.34% | 7.79% |
| Median | 8.8% | 9.4% | 7.6% |
| UniSuper Accum (1) - High Growth VS Median | 1.27% | 0.94% | 0.19% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - High Growth | 96 | 0.59% | $391 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 40% | |
| 2 | International Shares | 52% | |
| 3 | Alternative | 5% | |
| 4 | Property | 3% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Australian Shares | 8.56% | 8.26% | 8.57% |
| Median | 8.8% | 9.4% | 7.6% |
| UniSuper Accum (1) - Australian Shares VS Median | -0.24% | -1.14% | 0.97% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Australian Shares | 96 | 0.68% | $436 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 100% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Global Companies in Asia | 7.53% | 11.85% | 9.36% |
| Median | 8.8% | 9.4% | 7.6% |
| UniSuper Accum (1) - Global Companies in Asia VS Median | -1.27% | 2.45% | 1.76% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Global Companies in Asia | 96 | 0.43% | $311 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | International Shares | 100% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - International Shares | 10.89% | 13.48% | 7.41% |
| Median | 8.8% | 9.4% | 7.6% |
| UniSuper Accum (1) - International Shares VS Median | 2.09% | 4.08% | -0.19% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - International Shares | 96 | 0.57% | $381 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | International Shares | 100% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Listed Property | -0.77% | 6.52% | 4.26% |
| Median | 8.8% | 9.4% | 7.6% |
| UniSuper Accum (1) - Listed Property VS Median | -9.57% | -2.88% | -3.34% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Listed Property | 96 | 0.25% | $221 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Property | 100% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Conservative | 5.46% | 4.95% | 4.24% |
| Median | 5% | 5.3% | 4% |
| UniSuper Accum (1) - Conservative VS Median | 0.46% | -0.35% | 0.24% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Conservative | 96 | 0.54% | $366 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 10% | |
| 2 | International Shares | 13% | |
| 3 | Fixed Interest | 32.8% | |
| 4 | Alternative | 7% | |
| 5 | Property | 7% | |
| 6 | Cash | 30.2% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Sustainable High Growth | 5.59% | 9.66% | 6.94% |
| Median | 8.8% | 9.4% | 7.6% |
| UniSuper Accum (1) - Sustainable High Growth VS Median | -3.21% | 0.26% | -0.66% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Sustainable High Growth | 96 | 0.46% | $326 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 38% | |
| 2 | International Shares | 56% | |
| 3 | Alternative | 6% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Sustainable Balanced | 5.59% | 8.4% | 5.91% |
| Median | 7.8% | 8.2% | 6.6% |
| UniSuper Accum (1) - Sustainable Balanced VS Median | -2.21% | 0.2% | -0.69% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Sustainable Balanced | 96 | 0.46% | $326 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 27% | |
| 2 | International Shares | 40% | |
| 3 | Fixed Interest | 12.4% | |
| 4 | Alternative | 10% | |
| 5 | Cash | 10.6% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| UniSuper Accum (1) - Balanced | 8.17% | 8.18% | 6.58% |
| Median | 7.8% | 8.2% | 6.6% |
| UniSuper Accum (1) - Balanced VS Median | 0.37% | -0.02% | -0.02% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| UniSuper Accum (1) - Balanced | 96 | 0.51% | $351 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 27% | |
| 2 | International Shares | 35% | |
| 3 | Fixed Interest | 12.4% | |
| 4 | Alternative | 11% | |
| 5 | Property | 4% | |
| 6 | Cash | 10.6% |
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 by Omnilife.
Please note: This is the overall rating before individual circumstances are taken into account. Individual circumstances will vary the rating significantly.
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.
UniSuper’s main investment options have had mixed although generally favourable performance vs the median performance of their risk categories. Fees for these options are below the median option.
Based on this, UniSuper may be a good option depending on the individuals risk profile and other individual preferences.
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.
Yes, it’s an industry super fund predominantly for the higher education and research sector. However, membership is open to anyone.
Yes, it’s an industry super fund predominantly for the higher education and research sector. However, membership is open to anyone.
