We know you’ve left us, but we’d really love to have you back

We are a proud industry fund that cares for the carers of society - our nurses, our doctors, educators, police and emergency response teams. Those of you who nurture, save lives and protect us. We feel honoured that more than 790,193 members like you trust us with their future - and we don’t take this responsibility lightly. Because we don’t answer to shareholders, we answer to our members. 

That’s why we’re determined to deliver strong long-term returns, low fees and a diverse range of investment options that include investments that contribute to jobs in the communities where our members live, work and retire. 

Join the fund that puts members first

Join now

Here are some great reasons to come back: 

1. We keep fees low.

Our administration fee is only $1 per week plus 0.15% p.a. of your account balance, capped at $750 per year.  The industry medians are $1.50 per week and 0.24% p.a.^1.  And our investment management fees start from as little as 0.05% p.a. of your account balance. Our total annual fee of 1.10% for our Growth option is amongst the lowest in the industry, where the average is 1.45%^2. For profit-to-shareholder retail master trust superfunds (such as AMP, BT, Colonial First State etc.) the average is even higher at 1.60%.

Source: Chant West Super Fund Fee Survey, December 2019 for growth multi-manager investment options (61-80% growth assets). Calculations based on a superannuation balance of $50,000. The fees shown include administration and investment fees and costs and are gross of income tax.

2. Strong long-term returns

Our Growth option returned 8.18% over a ten year period ending 30 December 2019, compared to the industry average returns of 7.9% for the same time period as quoted in Chant West 2020 ‘2019 A Standout Year For Super Funds’. As at March 2020, our Growth and Balanced Growth investment options have achieved average annual returns of 7.02% and 6.29% over the past 10 years respectively.^4

Super investment performance for our Growth option the period ending 31 March 2020. Investment returns are calculated after allowing for tax on investment income and investment management expenses, but before the deduction of administration fees. Past performance is not a reliable indicator nor is it a guarantee of future performance. Complete details of all our investment options can be found here

3. We offer simple advice at no additional cost

The decisions you make today about your super could have a big impact on your future lifestyle. That’s why First State Super members can access simple advice from a superannuation adviser at no extra cost as part of their membership. 

We understand that some needs can be more complex. That’s why we have 220 qualified financial planners ready to help.  

4. We’re an award-winning fund

We don’t exist to win awards, but it feels good to be recognised by industry peers for doing what matters most to us – building a better future for our members. For the last ten years we’ve achieved the highest platinum rating by SuperRatings^3, recognising our product features, performance and member services.  Chant West, another independent ratings agency, has awarded us their highest 5-Apples rating each year since 2005 for our personal and pension products, and the Best Fund for Integrity 2019.

It’s not too late to get back together

Getting back with us is easy! All it takes is five minutes of your time.

Join First State Super

Once you’ve joined, you can make us your active fund by completing this Choice of Fund form (PDF) and giving it to your employer. 

  1. SuperRatings Benchmark Report, April 2020

  2. Chant West Super Fund Fee Survey December 2019 based on a $50,000 balance in a Growth option.

  3. SuperRatings 10 Year platinum performance rating 2009-2019 for Employer Sponsored, Personal and Income Stream