Feel future ready with one of Australia's most award winning industry funds.

Choosing the right super fund is important. It could make a big difference to the lifestyle you’ll have when you stop work and retire.

Why First State Super?

As one of Australia’s largest industry funds, we have the size and scale to provide you with security, competitive fees and premiums, and access to unique investment opportunities.

For the last ten years we’ve achieved the highest platinum rating by SuperRatingsthat recognises our product features, performance and member services. 

Strong long-term returns

Our investments are focused on delivering strong long-term returns, that not only care for our environment, but contribute to jobs in the communities that our members live and work in.

Our Growth and Balanced Growth investment options has achieving an average annual return of 8.69% and 7.55% over the past 10 years respectively. During this period our Australian Equities option achieved a return of 9.63% p.a. while our International Equities option has also performed well with a return of 10.94% p.a.2

Low fees

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 0.23% p.a.3.  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 1.50%4

Access to simple advice at no additional cost

We believe that the right support and advice changes lives. The decisions you make today about your super could have a big impact on your future lifestyle.

That’s why all our members have access to superannuation advice at no extra cost. We understand that some needs can be more complex. That’s why we have 220 qualified financial planners ready to help. 

A winning fund

Not convinced? For the last ten years we’ve achieved the highest platinum rating by SuperRatings5 that recognises our product features, performance and member services.  Another independent ratings agency – Chant West, has awarded us their highest 5-Apples rating each year since 2005 for personal and pension product and the Best Fund for Integrity 2019.

Open a super account with us

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Opening an account with us is easy

You can open a super account online with us as long as you’re 18 or older. If setting up an account for yourself or someone else under 18, contact us.


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Open an income stream account

You can stay with First State Super once you retire with our great value income stream products where we help you manage your money in retirement. Our retirement income stream offers tax free investment earnings (up to $1.6m) – so you can let the experts manage your money while enjoying all the tax benefits on offer and the life style that you want.

Start an income stream

Compare us

Comparing super funds can be tricky. But it’s important to understand the features and benefits that different funds offer so you can choose the one that’s right for you. AppleCheck is an independent tool that provides a quick and simple way to compare the fees, investment performance and insurance products of more than 150 super funds of your choice.

I want to compare First State Super

What if I change jobs?

In most case you can take your First State Super account with you wherever you go. Taking us with you is easy as two simple steps:

  1. Complete this Choice of fund form
  2. Hand the form to your employer along with a complying fund notice

1. Super investment performance for the period ending 30 April 2019.
2. SuperRatings Benchmark Report 2019.
3. Chant West Super Fund Fee Survey December 2018, based on a $50,000 balance in a Growth option.
4. SuperRatings 10 Year platinum performance rating 2009-2019 for Employer Sponsored, Personal and Income Stream.