UniSuper Superannuation Review

fees and investment returns

UniSuper is a leading Australian superannuation fund, established in 2000 from the merger of two tertiary education super funds. Initially dedicated to those working in the higher education and research sectors, UniSuper has since expanded and is now open to all Australians. With over 688,000 members and managing $175 billion in retirement savings, UniSuper is one of the largest industry super funds in Australia.

Stockspot reviews UniSuper fees, returns, and features to help you decide if it's the right super fund for you, and how it compares to Stockspot. Stockspot's Super product offers a transparent, low-cost alternative for investors who prefer ETFs and automated portfolio management to grow their retirement savings.

Who is UniSuper?

Who is UniSuper? UniSuper is known for offering competitive fees and strong investment performance. It is a not-for-profit industry fund that provides a wide range of investment options designed to suit different financial goals and risk profiles. UniSuper's long history of serving the education sector has made it a trusted choice for Australians across many industries.

All figures are accurate as at 30 June 2026 unless otherwise stated.

UniSuper_Homepage

Learn more about UniSuper

As of 1 July 2026 UniSuper’s MySuper investment option charges $351 per year (on a balance of $50,000). This is made up of:

  • $96 per year or 2% of your account balance per year, whichever is less (maximum $8 per month)
  • 0.43% p.a. investment fees and costs
  • 0.08% per year transaction costs

UniSuper’s MySuper balanced investment option has a historic 1 year investment performance of 10.4%. UniSuper’s MySuper balanced investment option has also seen a 10 year return of 8.3% p.a.

UniSuper does not pay a super retirement bonus.

Retirement bonuses are paid by super funds once a member reaches retirement.

Compare UniSuper Fund

UniSuper vs Stockspot Super

UniSuperStockspotLearn more about our investment approach
Investments
ETFs-only portfoliosNoYesThe benefits of combining ETFs and Super
Investment styleCombination of active and indexedIndexed onlyWhy active stock picking rarely works
Includes unlisted assetsYesNoThe risks of unlisted asset valuations
All strategies include >10% gold allocationNoYesWhy you should consider gold in your super
ESG (Sustainable) investment optionsYesYesSustainable portfolio options
Fees
Capped administration feeYesYes
Investment options with total annual cost under 1% p.a.YesYesHow Stockspot Super invests your money
Service
Personal investment advice provided at no extra feeYesYesWhy age matters for your super investment strategy
Mobile app & web dashboard accessYesYesUsing the Stockspot dashboard
Investment options beyond super available in dashboardNoYesHow Stockspot saves you time and money
Access to support via phone, webchat & emailYesYesConnect with our client care and advice team
Structure
Individual-level tax calculation for all holdingsNoYesHow is Stockspot Super tax efficient
Super fund optionDefault MySuper fund option & Choice super optionsChoice super options only
Insurance
Insurance optionGroup and individualIndividual

As at 30 June 2026

This table compares Stockspot Super with UniSuper's MySuper option (unless otherwise stated). It is general information only.

Learn more about Stockspot Super

Discover the power of low-cost index investing with Stockspot Super

An ETF-only super product with personalised advice that's tailored to your age. Stockspot Super is offered as the Stockspot MDA on Super Simplifier.

Australia's first ETF-exclusive super product. It's the end of pooled super funds and the beginning of transparent investing tailored to your needs.

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Frequently asked questions

Who owns UniSuper?

UniSuper is governed by UniSuper Limited, a corporate trustee owned by 37 Australian universities, ensuring strong governance and alignment with member interests.

What is UniSuper's 10-year return?

UniSuper's Balanced MySuper investment option has 10-year returns averaging 8.3% p.a.

What does UniSuper invest in?

UniSuper offers a wide range of investment options that span various asset classes. These include:

UniSuper's diversified approach allows members to choose investment options that align with their financial goals and risk tolerance.

Learn more about super

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