Which super fund had the best 10-year return to 30 June 2026?

Among MySuper products anyone can join, FirstChoice Employer Super - MySuper (Colonial First State FirstChoice Superannuation Trust) returned 9.27% a year over the ten years to 30 June 2026 for a member with $50,000, after fees and taxes (its CFS Lifestage (2000-2004) stage, 94% in growth assets). Team Super MySuper Lifecycle (9.27%) and Essential Super - MySuper (8.96%) were next, and the median MySuper product returned 8.03%. Products with more growth assets tend to lead after strong markets, and past returns do not predict future ones.

Which super fund has the lowest fees?

Vanguard MySuper (Vanguard Super) charged the least of the MySuper products open to anyone: $245 a year in total fees and costs on a $50,000 balance (0.49%). The median MySuper product charged $410, and the most expensive open to anyone, Hostplus MySuper, $655.

Which super funds failed the 2026 performance test?

12 products failed APRA's 2026 test. MySuper: BUSSQ MySuper. Trustee-directed products: 11, 5 of them for a second year running, which closes them to new members.

What is a MySuper product?

It is the default super product your employer pays into if you do not choose a fund: one diversified investment option, or a lifecycle option that moves to safer assets as you age, with standard fees and an annual performance test. APRA's 2026 data covers 50 MySuper products from 38 funds.

What does the return to a $50,000 member mean?

APRA works out what a member with a $50,000 balance actually earned each year after investment fees, administration fees and taxes. Because flat dollar fees weigh more on small balances, someone with much more or less than $50,000 will have seen a slightly different return from the same product.

Where does this data come from?

From APRA's Comprehensive Product Performance Package, published 28 August 2026 with data to 30 June 2026, under a Creative Commons licence. We read the files APRA publishes and show its figures unchanged. For lifecycle products, which report a result for each age stage, the table shows the stage with the most growth assets; each product's page lists every stage.

Every MySuper product, ranked on returns and fees.

APRA's figures for all 50 default super products: what each earned members after fees and tax, what it charges, and whether it passed this year's performance test.

See the full ranking Who failed the 2026 test

Ten-year returns against fees, every MySuper product

APRA's data to 30 June 2026

Typical return: 8.03%; a year over ten years: the middle of the 45 products with ten years of comparable returns
Typical fees on $50,000: $410; a year, or 0.82% of the balance
Highest return open to anyone: 9.27%; FirstChoice Employer Super - MySuper
Lowest fees open to anyone: $245; Vanguard MySuper

Return a year over ten years, after fees and tax

6.0%

6.5%

7.0%

7.5%

8.0%

8.5%

9.0%

9.5%

$300$350$400$450$500$550$600$650

Typical fee

Typical return

Fees a year on a $50,000 balance

Return a year over ten years, after fees and tax

6.0%

6.5%

7.0%

7.5%

8.0%

8.5%

9.0%

9.5%

$300$350$400$450$500$550$600$650

Typical fee

Typical return

Fees a year on a $50,000 balance

Open to anyoneEmployer plan, for a company's staff or a scheme's membersFailed the 2026 test: BUSSQ MySuper

One dot for each of the 45 products with ten years of comparable returns. Higher is a better return after fees and tax, further right is dearer. The dashed lines mark the typical product. Hover or tap a dot for its name.

Show the figures

Ten-year return and fees on $50,000 for 45 MySuper products
MySuper product	10-year return	Fees on $50,000	2026 test
FirstChoice Employer Super - MySuper	9.27%	$370	Passed
Team Super MySuper Lifecycle	9.27%	$340	Passed
Active Super Lifestage Product	9.07%	$420	Passed
Essential Super - MySuper	8.96%	$365	Passed
Virgin Money MySuper	8.89%	$340	Passed
Mercer WGSP MySuper	8.85%	$375	Passed
Guild Super MySuper Lifecycle	8.83%	$300	Passed
Hostplus MySuper	8.70%	$655	Passed
Australian Retirement Trust Lifecycle Investment Strategy	8.58%	$365	Passed
Mercer SmartPath	8.55%	$415	Passed
ANZ Smart Choice Super - My Super - QBE SUPER PLAN	8.47%	$505	Passed
ANZ Smart Choice Super - My Super	8.46%	$505	Passed
Aware MySuper (Accumulation)	8.44%	$450	Passed
MySuper - IQ Super, Resource Super & Nationwide	8.32%	$435	Passed
SignatureSuper - AFLPA AFL MySuper	8.29%	$360	Passed
Tailored MySuper - Lutheran Superannuation	8.29%	$365	Passed
AustralianSuper MySuper	8.27%	$345	Passed
Mercer Santos MySuper	8.20%	$365	Passed
smartMonday PRIME - MySuper	8.19%	$355	Passed
Vision MySuper	8.14%	$305	Passed
UniSuper MySuper Offering	8.11%	$340	Passed
SignatureSuper - MySuper	8.08%	$435	Passed
HESTA MySuper	8.03%	$405	Passed
Bendigo MySuper	7.94%	$320	Passed
legalsuper MySuper	7.90%	$470	Passed
Cbus Growth (MySuper)	7.82%	$455	Passed
NGS Diversified (MySuper)	7.72%	$515	Passed
NAB Staff MySuper	7.64%	$455	Passed
Brighter Super Accumulation - MySuper	7.59%	$365	Passed
PSSap MySuper	7.57%	$455	Passed
Equip Super and Catholic Super - MySuper members	7.51%	$410	Passed
ANZ Staff MySuper	7.39%	$315	Passed
Rest MySuper	7.35%	$405	Passed
CareSuper - MySuper	7.32%	$470	Passed
NESS Super MySuper	7.31%	$425	Passed
MLC MySuper	7.29%	$500	Passed
QSuper Lifetime	7.29%	$350	Passed
First Super Balanced - accumulation	7.25%	$560	Passed
Macquarie Group Superannuation MySuper Product	7.24%	$380	Passed
AMIST Super MySuper	7.14%	$440	Passed
Prime Super MySuper	7.00%	$505	Passed
Australian Ethical Retail Superannuation Fund MySuper	6.99%	$595	Passed
Superhero Super MySuper	6.79%	$350	Passed
BUSSQ MySuper	6.66%	$470	Failed
Rei Super MySuper	6.45%	$480	Passed

The highest and lowest ten-year returns

Among the 35 products anyone can join with ten years of comparable returns, a year after fees and tax for a $50,000 member. The median MySuper product returned 8.03%. More growth assets usually mean higher long-run returns and bigger falls, so each product shows its growth share.

Highest

Lowest

Both lists share one scale from zero, so the bars compare across them. Past returns don't predict future ones.

All 50 MySuper products, by what members actually earned

Returns are a year over the ten years to 30 June 2026, for a member with $50,000, after all fees and taxes. Fees are a year on $50,000: administration, investment and transaction costs. Sort by fees or size, or find your own fund.

RankMySuper product10-yr return a yearFees on $50kMembers2026 test

1FirstChoice Employer Super - MySuperColonial First State FirstChoice Superannuation TrustStage: CFS Lifestage (2000-2004)
10-yr return
9.27%94% growth
Fees on $50k
$3700.74% a year
Members
168,350
2026 test
Passed
2Team Super MySuper LifecycleTeam SuperStage: MySuper Under Age 50
10-yr return
9.27%94% growth
Fees on $50k
$3400.68% a year
Members
124,270
2026 test
Passed
3Essential Super - MySuperEssential SuperStage: Lifestage 1995-99 option
10-yr return
8.96%94% growth
Fees on $50k
$3650.73% a year
Members
134,560
2026 test
Passed
4Virgin Money MySuperMercer Super TrustStage: LifeStage Tracker - Born 2009 - 2013 - Virgin
10-yr return
8.89%89% growth
Fees on $50k
$3400.68% a year
Members
88,420
2026 test
Passed
5Guild Super MySuper LifecycleGuild Retirement FundStage: Building
10-yr return
8.83%98% growth
Fees on $50k
$3000.60% a year
Members
93,610
2026 test
Passed
6Hostplus MySuperHostplus
10-yr return
8.70%80% growth
Fees on $50k
$6551.31% a year
Members
1,641,950
2026 test
Passed
7Australian Retirement Trust Lifecycle Investment StrategyAustralian Retirement TrustStage: Less than 50
10-yr return
8.58%91% growth
Fees on $50k
$3650.73% a year
Members
1,472,450
2026 test
Passed
8Mercer SmartPathMercer Super TrustStage: Mercer SmartPath - Born 1974 to 1978 - CSD
10-yr return
8.55%91% growth
Fees on $50k
$4150.83% a year
Members
407,410
2026 test
Passed
9ANZ Smart Choice Super - My SuperRetirement Portfolio ServiceStage: ANZ Smart Choice 1990S
10-yr return
8.46%83% growth
Fees on $50k
$5051.01% a year
Members
274,090
2026 test
Passed
10Aware MySuper (Accumulation)Aware SuperStage: Grow - Age 55 and under
10-yr return
8.44%89% growth
Fees on $50k
$4500.90% a year
Members
959,670
2026 test
Passed
11MySuper - IQ Super, Resource Super & NationwideRussell Investments Master TrustStage: RIMT GOALTRACKER 25 AND UNDER
10-yr return
8.32%95% growth
Fees on $50k
$4350.87% a year
Members
45,620
2026 test
Passed
12AustralianSuper MySuperAustralianSuper
10-yr return
8.27%73% growth
Fees on $50k
$3450.69% a year
Members
3,187,900
2026 test
Passed
13smartMonday PRIME - MySupersmartMondayStage: smartMonday Lifecycle Under 35
10-yr return
8.19%88% growth
Fees on $50k
$3550.71% a year
Members
32,000
2026 test
Passed
14Vision MySuperVision Super
10-yr return
8.14%77% growth
Fees on $50k
$3050.61% a year
Members
65,190
2026 test
Passed
15UniSuper MySuper OfferingUniSuper
10-yr return
8.11%77% growth
Fees on $50k
$3400.68% a year
Members
412,910
2026 test
Passed
16SignatureSuper - MySuperAMP Super FundStage: AMP MySuper 1970s
10-yr return
8.08%91% growth
Fees on $50k
$4350.87% a year
Members
343,030
2026 test
Passed
17HESTA MySuperHESTA
10-yr return
8.03%74% growth
Fees on $50k
$4050.81% a year
Members
978,570
2026 test
Passed
18Bendigo MySuperThe Bendigo Superannuation PlanStage: Bendigo Growth Index Fund - MySuper
10-yr return
7.94%83% growth
Fees on $50k
$3200.64% a year
Members
8,820
2026 test
Passed
19legalsuper MySuperlegalsuper
10-yr return
7.90%78% growth
Fees on $50k
$4700.94% a year
Members
34,510
2026 test
Passed
20Cbus Growth (MySuper)Cbus
10-yr return
7.82%76% growth
Fees on $50k
$4550.91% a year
Members
767,560
2026 test
Passed
21NGS Diversified (MySuper)NGS Super
10-yr return
7.72%79% growth
Fees on $50k
$5151.03% a year
Members
91,780
2026 test
Passed
22Brighter Super Accumulation - MySuperBrighter Super
10-yr return
7.59%79% growth
Fees on $50k
$3650.73% a year
Members
129,580
2026 test
Passed
23Equip Super and Catholic Super - MySuper membersEquip Super
10-yr return
7.51%72% growth
Fees on $50k
$4100.82% a year
Members
94,250
2026 test
Passed
24Rest MySuperRest
10-yr return
7.35%76% growth
Fees on $50k
$4050.81% a year
Members
1,993,890
2026 test
Passed
25CareSuper - MySuperCareSuper
10-yr return
7.32%72% growth
Fees on $50k
$4700.94% a year
Members
570,070
2026 test
Passed
26NESS Super MySuperNESS Super
10-yr return
7.31%78% growth
Fees on $50k
$4250.85% a year
Members
11,350
2026 test
Passed
27MLC MySuperMLC Super FundStage: MySuper Under 55
10-yr return
7.29%77% growth
Fees on $50k
$5001.00% a year
Members
378,690
2026 test
Passed
28QSuper LifetimeAustralian Retirement TrustStage: Aspire 1 Group
10-yr return
7.29%91% growth
Fees on $50k
$3500.70% a year
Members
505,860
2026 test
Passed
29First Super Balanced - accumulationFirst Super
10-yr return
7.25%80% growth
Fees on $50k
$5601.12% a year
Members
69,590
2026 test
Passed
30AMIST Super MySuperAMIST Super
10-yr return
7.14%68% growth
Fees on $50k
$4400.88% a year
Members
61,670
2026 test
Passed
31Prime Super MySuperPrime Super
10-yr return
7.00%76% growth
Fees on $50k
$5051.01% a year
Members
133,670
2026 test
Passed
32Australian Ethical Retail Superannuation Fund MySuperAustralian Ethical Retail Superannuation Fund
10-yr return
6.99%72% growth
Fees on $50k
$5951.19% a year
Members
98,770
2026 test
Passed
33Superhero Super MySuperOneSuper
10-yr return
6.79%81% growth
Fees on $50k
$3500.70% a year
Members
2,530
2026 test
Passed
34BUSSQ MySuperBUSSQ
10-yr return
6.66%70% growth
Fees on $50k
$4700.94% a year
Members
66,480
2026 test
Failed
35Rei Super MySuperRei Super
10-yr return
6.45%73% growth
Fees on $50k
$4800.96% a year
Members
21,510
2026 test
Passed
-IOOF MySuperIOOF Portfolio Service Superannuation Fund
10-yr return
Not comparable†74% growth
Fees on $50k
$4900.98% a year
Members
61,420
2026 test
Passed
-Vanguard MySuperVanguard SuperStage: Lifecycle Age 47 and under
10-yr return
3 yrs: 12.67%93% growth
Fees on $50k
$2450.49% a year
Members
44,870
2026 test
Passed*

Lifecycle products move members to safer assets as they age. Their figures here are for the stage with the most growth assets; each product page lists every stage.
Employer plans are open only to staff of a participating employer or members of a public sector scheme, so they are hidden until you include them.
* Under seven years of history, which the performance test treats as a pass. Products without ten years show their longest record and sit at the end.
† APRA notes that this product's net investment returns are reported gross of tax and are not comparable to other products.

12 products failed the 2026 performance test, 1 of them MySuper

Full results

Every year APRA compares each MySuper and trustee-directed product with a benchmark built from its own asset mix. In 2026 it tested 50 MySuper products and 497 trustee-directed products, the choice options a fund designs itself. BUSSQ MySuper failed. A product that fails must tell its members within 28 days; one that fails two years running is closed to new members.

MySuper products: 1 of 50 failed
Trustee-directed, on platforms: 11 of 141 failed
Trustee-directed, on a fund's own menu: 0 of 356 failed

The fee gap alone is worth $60,425 on a $50,000 balance over 30 years

Three members each start with $50,000, add nothing and earn the same 7% a year before fees for 30 years. The only difference is what their product charges: the cheapest MySuper product open to anyone, the one in the middle and the dearest, with APRA's fees scaled as the balance grows. 7% is an illustration, not a forecast.

Lowest feesVanguard MySuper$245 a year on $50,000 today, 0.49%
$331,651after 30 years
Middle of the rangeMercer SmartPath$415 a year on $50,000 today, 0.83%
$301,318$30,333 behind the cheapest
Highest feesHostplus MySuper$655 a year on $50,000 today, 1.31%
$271,226$60,425 behind the cheapest

Balance after 30 yearsWhat the higher fees cost, against the cheapest

Contributions widen the gap, because every dollar added pays the fee too. The super fee calculator runs it on your own balance, income and fees.

Four things the ranking doesn't tell you on its own

Risk

A product with 90% in shares and property should beat one with 70% over a decade of rising markets, and fall harder in a crash. Compare products with a similar growth share, or look at how each did against its own benchmark on its page.

Ten years is one cycle

The ten years to 30 June 2026 include strong share markets. A product's rank can change a lot from one ten-year window to the next, and APRA's test judges it against its own benchmark rather than against other funds.

Your balance changes the fee

Flat dollar fees cost a small account more as a share of the balance. Each product page shows fees at $10,000, $25,000, $50,000, $100,000 and $250,000.

Insurance is extra

These fees exclude insurance premiums, which most funds deduct for default life, disability and income cover. Check your annual statement for what you pay.

Put the numbers against your own super

Questions people ask about super funds

Which super fund had the best 10-year return to 30 June 2026?: Among MySuper products anyone can join, FirstChoice Employer Super - MySuper (Colonial First State FirstChoice Superannuation Trust) returned 9.27% a year over the ten years to 30 June 2026 for a member with $50,000, after fees and taxes (its CFS Lifestage (2000-2004) stage, 94% in growth assets). Team Super MySuper Lifecycle (9.27%) and Essential Super - MySuper (8.96%) were next, and the median MySuper product returned 8.03%. Products with more growth assets tend to lead after strong markets, and past returns do not predict future ones.
Which super fund has the lowest fees?: Vanguard MySuper (Vanguard Super) charged the least of the MySuper products open to anyone: $245 a year in total fees and costs on a $50,000 balance (0.49%). The median MySuper product charged $410, and the most expensive open to anyone, Hostplus MySuper, $655.
Which super funds failed the 2026 performance test?: 12 products failed APRA's 2026 test. MySuper: BUSSQ MySuper. Trustee-directed products: 11, 5 of them for a second year running, which closes them to new members.
What is a MySuper product?: It is the default super product your employer pays into if you do not choose a fund: one diversified investment option, or a lifecycle option that moves to safer assets as you age, with standard fees and an annual performance test. APRA's 2026 data covers 50 MySuper products from 38 funds.
What does the return to a $50,000 member mean?: APRA works out what a member with a $50,000 balance actually earned each year after investment fees, administration fees and taxes. Because flat dollar fees weigh more on small balances, someone with much more or less than $50,000 will have seen a slightly different return from the same product.
Where does this data come from?: From APRA's Comprehensive Product Performance Package, published 28 August 2026 with data to 30 June 2026, under a Creative Commons licence. We read the files APRA publishes and show its figures unchanged. For lifecycle products, which report a result for each age stage, the table shows the stage with the most growth assets; each product's page lists every stage.

About this data

Source: Australian Prudential Regulation Authority (APRA), Comprehensive Product Performance Package 2026: data to 30 June 2026, published 28 August 2026. Licensed under CC BY 4.0 and normalised by The Finance Algorithm, which shows APRA's figures as percentages and dollars a year. APRA has not reviewed or endorsed this page.

General information only, not financial advice. Past performance is not a reliable indicator of future returns. Check your fund's product disclosure statement and your annual statement before you act, and consider whether advice suits your situation.