As one of Australia’s largest profit-for-member funds, we stand for super that makes a difference. Join First State Super today*.

When you understand our commitment to our members, you understand we’re unlike any other super fund.

We use the collective power of our members to create positive change. To be able to deliver low fees^3, exceptional member benefits and strong long-term returns^4.

We are dedicated to making meaningful investments that make the world a better place and that can have a big impact on our economy, the environment and future generations. That’s why our investments include hospitals, environmentally friendly developments, renewable energy, agriculture and aged care facilities.

We stand for super that supports you.

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Become a member

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We’ll stand by you with more member benefits 

Low fees, more for you

Stand up for lower fees. For the past 10 years we’ve won awards for being one of the top ten best value funds open to everyone^1.

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 0.23% p.a.^2.  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 1.46%^3. 

For profit-to-shareholder retail master trust superfunds (such as AMP, BT, Colonial First State etc.) the average is even higher at 1.64%.

Source: Chant West Fee Survey, September 2019. Calculations based on a superannuation balance of $50,000. Chant West gross up administration fees to ensure they are comparing like for like.

Strong long-term returns

Stand up for strong-long term returns which could mean more money for you.

Our Growth and Balanced Growth investment options have achieved average annual returns of 8.63% and 7.49% over the past 10 years respectively.  We’ve also been named in the top ten Growth options for super for the year ending 30 June 2019^4.

Disclaimer: Super investment performance for our Growth option the period ending 31  January 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.

Investments that are good for members and the community

Stand up for ethical investments.  

As one of Australia’s largest super funds, we know that our investments can have a big impact on our economy, the environment and future generations.

That’s why our investments include things that are close to our members’ hearts – like hospitals, environmentally friendly developments, renewable energy, agriculture and aged care facilities.

Our members come first

Stand up for profits going back to members. Unlike some other super funds and more specifically retail funds, we’re a profit-for-member fund. So instead of going to shareholders, our profits go back into member benefits and other services to help you get the most out of your super.

An award-winning fund

Stand up for quality. We regularly receive top ratings and awards from our industry rating agencies. 

For the last ten years we’ve achieved the highest platinum rating by SuperRatings^5, 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.

We offer simple advice at no additional cost

Stand up for financial being empowered to make better financial decisions. 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. Your first appointment is no cost, no obligation. If you decide to proceed, a fee will be payable for the plan. With Australia’s largest member-owned financial adviser network, you can feel confident you’re in safe hands.

We are proudly local

Stand up for supporting our local communities. The team at our 43 Australian-based service centres are ready to assist you. Whether it’s face-to-face or over the phone, we’re here to help you feel future ready.

Award winning app

Stand up for being able to manage your super simply. You can easily manage your super anytime, anywhere with our award-winning app. You can view your balance, change your investment options, download your statement, estimate your future balance, make extra contributions and more.



Join today*

* Important information to consider before joining: You should read our Product Disclosure Statement and consider any exit charges that your other fund(s) may charge, including any tax implications arising if you rollover super from another fund. Also, if your existing super account has insurance cover attached to it and you transfer the funds to your First State Super account, you may lose your insurance cover. We recommend that you consider your own circumstances before making a decision or seek advice from a financial planner.

  1. Based on SuperRatings 10 Year Platinum Performance Award for 2008-2018 and 2018 SelectingSuper AAA Quality Assessment.

  2. SuperRatings Benchmark Report, 2019

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

  4. Chant West 2019 ‘Super Funds deliver record-breaking 10th straight positive year’.

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