Live offers across tracked providers in Australia — updated daily from the Giraffy database.
20 live offers compared from 20 providers, from 0.02% AMC. Updated daily.
0.02% AMC
0.54% AMC
0.55% AMC
0.56% AMC
0.58% AMC
0.65% AMC
0.67% AMC
0.67% AMC
0.75% AMC
0.75% AMC
0.80% AMC
0.85% AMC
0.85% AMC
0.85% AMC
0.85% AMC
0.85% AMC
0.85% AMC
0.90% AMC
0.90% AMC
0.95% AMC
Superannuation, or super, is Australia's compulsory retirement savings system. Employers must pay a percentage of your earnings into a super fund, where it is invested and grows until you retire. Super is the main private pension vehicle for most Australians, sitting alongside the government-funded Age Pension. Because contributions and investment earnings are taxed at concessional rates, super is a highly tax-effective way to build retirement wealth over a working life.
Under the Superannuation Guarantee, employers must contribute a set percentage of your ordinary earnings — 12% from 1 July 2025, the final legislated step in a series of increases. Funds fall into industry (profit-to-member) funds, retail funds run by financial institutions, and self-managed super funds (SMSFs) for those who want direct control. Your money is generally preserved until you reach your preservation age and retire. You can usually choose your own fund and switch, and consolidating multiple accounts avoids paying duplicate fees and insurance.
Employer contributions — Your employer must pay 12% of your ordinary earnings into super, effectively adding to your total remuneration on top of your wage.
Tax concessions — Contributions and investment earnings are taxed at concessional rates, and income drawn in the retirement phase can be tax-free after age 60.
Long-term compounding — Decades of investment growth on preserved contributions can build a substantial retirement balance from relatively modest regular amounts.
Compare long-term net investment returns after fees, the fee levels themselves, and the range of investment options offered, from conservative to high-growth. Check any insurance included, since default life and total permanent disability cover is common but not always suited to your situation. Consolidate stray accounts to avoid paying multiple sets of fees, and review the fund's result in the regulator's annual performance test before committing your future savings.
The comparison features AustralianSuper, Aware Super, REST Super, Hostplus, HESTA, Sunsuper, Cbus Super and First State Super. AustralianSuper and Aware Super are among the largest funds by membership and assets, and several are industry funds originally serving particular sectors such as retail, health or construction. Ongoing fund mergers continue to reshape the sector, so the right choice hinges on long-term net returns, fees and the investment options that suit your risk appetite.
Super fund costs are mainly fees rather than a purchase price; the figures in this comparison, around 0.02 to 0.95, reflect indicative percentage fee levels across administration and investment components. Lower fees leave more of your balance invested to compound over time. Because even small percentage differences compound over decades, comparing total fees alongside long-term net returns is the key value consideration, not the headline fee alone. Making extra voluntary or salary-sacrifice contributions within the annual caps can further boost your final balance and may reduce your taxable income at the same time.
Super funds are prudentially regulated by APRA, with SMSFs overseen by the Australian Taxation Office, and conduct regulated by ASIC. APRA runs an annual performance test, and persistently underperforming funds must notify their members and can be closed to new members. Members can take complaints to AFCA. Access to super is generally restricted until you meet a condition of release, such as reaching preservation age and retiring from the workforce.
How much does my employer contribute? — From 1 July 2025 the Superannuation Guarantee is 12% of your ordinary time earnings, the final legislated rate with no further increases scheduled.
Can I choose my fund? — Most employees can nominate their own fund; consolidating multiple accounts into one avoids paying duplicate fees and insurance premiums that quietly erode your balance.
Giraffy tracks 5 pension and retirement savings products across Hostplus,REST Super,HESTA,AustralianSuper,First State Super providers in Australia. Compare by Annual Management Charge (AMC) and investment fund range to find the best fit for your retirement timeline.
Superannuation is Australia's mandatory retirement savings system. Employers contribute a minimum 11.5% (rising to 12% by 2025) of your earnings into a super fund of your choice. You can switch funds, make voluntary contributions, and choose from different investment options.
A common benchmark is to aim for a retirement income of about 60–80% of your pre-retirement earnings. As a savings target, contributing 15% of your gross income from your mid-20s — including employer contributions — is a widely cited starting point. Pension calculators help model your specific situation.
Retirement savings access ages vary by country and account type. In the UK, pension access starts at age 55 (rising to 57 in 2028). Australia allows access to super from preservation age (currently 60). Check your local rules — early withdrawal penalties and tax consequences can be severe.
The Annual Management Charge (AMC) is the ongoing fee on your pension fund — typically 0.1–0.75% per year of your pot's value. On a £100,000 pot, a 0.5% AMC costs £500/year and compounds over time. Over 30 years, a 0.5% difference in charges can reduce your final pot by tens of thousands of pounds.
Automatic enrolment means eligible workers are enrolled into a workplace pension without having to opt in — the UK, Australia, Ireland, and several other markets operate similar mandatory or auto-enrolment systems. Employer contributions are effectively 'free money', so opting out generally costs you significantly over time.