Vanguard Super Review

Launched in October 2022, Vanguard Super is a retail super fund, and is owned by Vanguard Investments Australia Ltd, a subsidiary of The Vanguard Group, an American based investment advisor. As of September 30th 2024 they had approximately 19,310 members and $1.74 billion in assets under management in their super product.

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.

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Vanguard Super Performance

Vanguard Super has only been around since October 2022 so there isn’t yet long term performance data. However, over 1 year Vanguard Super’s High growth, Growth, balanced and conservative options all outperformed the respective median options for those risk categories.

Fees

Fees for their main investment options are below the median option of their respective risk categories. 
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 March 31 2025

Investment Option 1 Year 3 Year 5 Year
Vanguard MySuper - Lifecycle Age 82 and above 4.54% - -
Median 4.5% - -
Vanguard MySuper - Lifecycle Age 82 and above VS Median 0.04% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Vanguard MySuper - Lifecycle Age 82 and above - 0.76% $380

Asset Allocation

RankAsset%
1 Australian Shares 16%
2 International Shares 21.6%
3 Fixed Interest 60%
4 Alternative 2.4%

Returns to June 30 2025

Investment Option 1 Year 3 Year 5 Year
Vanguard Super SaveSmart - Australian Shares 12.96% - -
Median 11.7% - -
Vanguard Super SaveSmart - Australian Shares VS Median 1.26% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Vanguard Super SaveSmart - Australian Shares - 0.66% $330

Asset Allocation

RankAsset%
1 Australian Shares 100%

Returns to June 30 2025

Investment Option 1 Year 3 Year 5 Year
Vanguard Super SaveSmart - Australian Fixed Interest 5.78% - -
Median - - -
Vanguard Super SaveSmart - Australian Fixed Interest VS Median 5.78% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Vanguard Super SaveSmart - Australian Fixed Interest - 0.72% $360

Asset Allocation

RankAsset%
1 Fixed Interest 100%

Returns to June 30 2025

Investment Option 1 Year 3 Year 5 Year
Vanguard Super SaveSmart - Ethically Conscious Growth 12.6% - -
Median 10.5% - -
Vanguard Super SaveSmart - Ethically Conscious Growth VS Median 2.1% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Vanguard Super SaveSmart - Ethically Conscious Growth - 0.72% $360

Asset Allocation

RankAsset%
1 Australian Shares 28%
2 International Shares 42%
3 Fixed Interest 30%

Returns to June 30 2025

Investment Option 1 Year 3 Year 5 Year
Vanguard Super SaveSmart - Growth 11.76% - -
Median 10.5% - -
Vanguard Super SaveSmart - Growth VS Median 1.26% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Vanguard Super SaveSmart - Growth - 0.72% $360

Asset Allocation

RankAsset%
1 Australian Shares 28%
2 International Shares 42%
3 Fixed Interest 30%

Returns to June 30 2025

Investment Option 1 Year 3 Year 5 Year
Vanguard Super SaveSmart - Conservative 7.79% - -
Median 7.3% - -
Vanguard Super SaveSmart - Conservative VS Median 0.49% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Vanguard Super SaveSmart - Conservative - 0.72% $360

Asset Allocation

RankAsset%
1 Australian Shares 12%
2 International Shares 18%
3 Fixed Interest 60%
4 Cash 10%

Returns to June 30 2025

Investment Option 1 Year 3 Year 5 Year
Vanguard Super SaveSmart - Cash 3.92% - -
Median - - -
Vanguard Super SaveSmart - Cash VS Median 3.92% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Vanguard Super SaveSmart - Cash - 0.37% $185

Asset Allocation

RankAsset%
1 Cash 100%

Returns to June 30 2025

Investment Option 1 Year 3 Year 5 Year
Vanguard Super SaveSmart - International Shares (Hedged) 12.12% - -
Median 11.7% - -
Vanguard Super SaveSmart - International Shares (Hedged) VS Median 0.42% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Vanguard Super SaveSmart - International Shares (Hedged) - 0.76% $380

Asset Allocation

RankAsset%
1 International Shares 100%

Returns to June 30 2025

Investment Option 1 Year 3 Year 5 Year
Vanguard Super SaveSmart - Global Fixed Interest (Hedged) 4.63% - -
Median - - -
Vanguard Super SaveSmart - Global Fixed Interest (Hedged) VS Median 4.63% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Vanguard Super SaveSmart - Global Fixed Interest (Hedged) - 0.78% $390

Asset Allocation

RankAsset%
1 Fixed Interest 100%

Returns to June 30 2025

Investment Option 1 Year 3 Year 5 Year
Vanguard Super SaveSmart - International Shares 16.75% - -
Median 11.7% - -
Vanguard Super SaveSmart - International Shares VS Median 5.05% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Vanguard Super SaveSmart - International Shares - 0.7% $350

Asset Allocation

RankAsset%
1 International Shares 100%

Returns to June 30 2025

Investment Option 1 Year 3 Year 5 Year
Vanguard Super SaveSmart - Balanced 9.89% - -
Median 8.8% - -
Vanguard Super SaveSmart - Balanced VS Median 1.09% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Vanguard Super SaveSmart - Balanced - 0.74% $370

Asset Allocation

RankAsset%
1 Australian Shares 20%
2 International Shares 30%
3 Fixed Interest 50%

Returns to June 30 2025

Investment Option 1 Year 3 Year 5 Year
Vanguard Super SaveSmart - High Growth 13.48% - -
Median 11.7% - -
Vanguard Super SaveSmart - High Growth VS Median 1.78% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Vanguard Super SaveSmart - High Growth - 0.72% $360

Asset Allocation

RankAsset%
1 Australian Shares 36%
2 International Shares 54%
3 Fixed Interest 10%

Insurance

Whilst most members are offered default Death and Total and permanent Disablement Cover, they can also apply for Income Protection Cover.

Additional cover is available with the following limits:
Death – No maximum
TPD – $5 million or $3 million depending on age
Income protection – up to $25,000 per month or 75% of pre disability earnings.
Insurance is provided by AIA Australia Limited. 

Insurance Rating

OmniLife
0 /100

Fund details

See the Vanguard Super ABN and USI page for all the information required to contribute to this fund.
Read their PDS and TMD for further details.

FAQ's

Since Vanguard Super only Launched in October 2022 they have a relatively short performance track record, so it’s a little bit early to make that call.
Their main investment options have out performed the median of their respective risk categories over the past 1 year and fees are below the median.
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.

No, it is a retail fund.

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