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Types of Super Funds

Types of Super Funds

Choosing a superannuation fund can be confusing, here’s a good starting point…

  1. Industry Funds:
    • Run by industry associations or unions.
    • Tailored to specific industries.
    • Costs are usually low to medium.
    • Profits get reinvested for the benefit of members.
  2. In-House Corporate Funds:
    • Managed by a board of trustees chosen by the employer and employees.
    • Designed for company employees.
    • Costs are low (sometimes covered by employers).
    • Profits typically reinvested for members’ benefit.
  3. Public Sector Funds:
    • Governed by a board of trustees representing government employees.
    • Costs are low.
    • Profits reinvested for members’ benefit.
  4. Retail Funds:
    • Managed by financial institutions.
    • Available to anyone.
    • Costs vary (medium to high), but low-cost options exist.
    • Fund managers retain some profits, impacting returns.
  5. Self-Managed Super Funds (SMSFs):
    • Individuals or small groups (up to six members) manage these.
    • Ideal for those seeking more control over investment decisions.
    • High costs but potential for greater returns (profits are yours to keep).

Need help on your superannuation? We can help with that, just shoot us an email!

All information was sourced from with the aid of copilot
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