Compare Choice Super Products

A Choice product is one where you picked how your super is invested, or an adviser picked for you. Compare them across 38 Australian super funds, on the fees APRA publishes each year. Fees on a $50,000 balance run from $0 to $1,135 a year.

Figures published by APRAThe Australian Prudential Regulation Authority supervises superannuation funds and publishes a yearly package of product statistics. For Choice products it covers fees and per-option investment returns, and the annual performance test where the option is covered by it. Superannuation is not part of the Consumer Data Right, so unlike the banking and energy products on this site these figures update once a year rather than daily. in the annual Choice Comprehensive Product Performance publication, for the year ended 30 Jun 2026

Two kinds of super product

Comparing 180 products

Side-by-side Compare isn't offered for super. A Choice product's fees and returns vary by the investment option you hold, so products don't line up column by column. Open a product to see the figures for each option.

ProductActions
Personal Superannuation BondNational Mutual Retirement FundTotal fees$490 to $550 a year0.98% to 1.10% of a $50,000 balanceOptions2APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$5.4m
Provider Personal Retirement PlanNational Mutual Retirement FundTotal fees$490 to $510 a year0.98% to 1.02% of a $50,000 balanceOptions4APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$42.4m
Provider Top Up Retirement PlanNational Mutual Retirement FundTotal fees$490 to $510 a year0.98% to 1.02% of a $50,000 balanceOptions4APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$1.4m or more
PruPlan Plus SuperannuationSuper Retirement FundTotal fees$495 a year0.99% of a $50,000 balanceOptions2APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$3.4m or more
PruPlan SuperannuationSuper Retirement FundTotal fees$495 a year0.99% of a $50,000 balanceOptions5APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$22.3m or more
RLA Personal Super PlanNational Mutual Retirement FundTotal fees$495 to $525 a year0.99% to 1.05% of a $50,000 balanceOptions7APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$625.3m
SuperFlex SuperannuationSuper Retirement FundTotal fees$495 a year0.99% of a $50,000 balanceOptions1APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
SuperPlan SuperannuationSuper Retirement FundTotal fees$495 a year0.99% of a $50,000 balanceOptions1APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$6.8m
SuperWise Series 4Super Retirement FundTotal fees$495 to $595 a year0.99% to 1.19% of a $50,000 balanceOptions4APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$11.0m or more
SuperWise Series 5Super Retirement FundTotal fees$495 to $585 a year0.99% to 1.17% of a $50,000 balanceOptions6APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$71.8m or more
CPSL Master Fund SuperannuationSuper Retirement FundTotal fees$500 to $695 a year1.00% to 1.39% of a $50,000 balanceOptions4APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$1.1m or more
MultiFund Superannuation BondNational Mutual Retirement FundTotal fees$500 to $520 a year1.00% to 1.04% of a $50,000 balanceOptions4APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$31.2m
Perpetual WealthFocus Super PlanPerpetual WealthFocus Superannuation FundTotal fees$500 to $665 a year1.00% to 1.33% of a $50,000 balanceOptions5APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$186.5m
Personal Superannuation Portfolio.Super Retirement FundTotal fees$500 to $695 a year1.00% to 1.39% of a $50,000 balanceOptions4APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$1.5m or more
Select Personal SuperannuationSuper Retirement FundTotal fees$500 to $695 a year1.00% to 1.39% of a $50,000 balanceOptions36APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$275.2m or more
Verve SuperSmart Future TrustTotal fees$500 to $645 a year1.00% to 1.29% of a $50,000 balanceOptions5APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$237.6m
Guaranteed Super AccountNational Mutual Retirement FundTotal fees$510 a year1.02% of a $50,000 balanceOptions1APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$1.6b
Investment Account Regular Premium Super PlanNational Mutual Retirement FundTotal fees$510 a year1.02% of a $50,000 balanceOptions3APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$75.4m or more
Investment Linked Personal Superannuation PlanNational Mutual Retirement FundTotal fees$510 to $515 a year1.02% to 1.03% of a $50,000 balanceOptions3APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$275.8m
Investment Linked Superannuation PlanNational Mutual Retirement FundTotal fees$510 to $515 a year1.02% to 1.03% of a $50,000 balanceOptions3APRA testAPRA’s annual performance test does not cover any of this product’s investment options.Product details
Trustee
Equity Trustees Superannuation Limited
Option assets
$318.8m

Why there are no returns here. APRA does not publish a return on a $50,000 balance for these products the way it does for MySuper, and the figures it does publish are measured two different ways that cannot be ranked against each other. Each product page shows returns against the individual investment option and the measure they were published under.

What this list covers. APRA does not publish figures for every Choice investment option, so a product or an option you hold may not appear here even if your fund does.

Important information

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Fees and returns shown are the figures published in APRA’s annual product performance publications, expressed as a percentage of a $50,000 account balance. They are updated when APRA republishes, not daily, and fees a fund charges may have changed since. Returns are what a product has already earned after fees and tax. Past performance is not an indicator of future performance. Before acting on any information shown here, you should confirm the fees, returns and product information with the fund.

We do not compare every MySuper product available in Australia, and this table does not compare every feature that may be relevant to you. Products are selected for relevance to the table and to the filters applied. They are not suggestions or recommendations, and the order they appear in is not a ranking of suitability. Changing the filters will surface further relevant products. See how we sort and rank products.

No product in this table is a sponsored placement, and no fund pays us for a click through from this table. A fund can pay for a sponsored placement, and any product in one is marked “Sponsored Placement” wherever it appears. Payment never decides which products we show, and it never changes the fees, returns or other figures, which come from APRA. See how we make money and our advertiser disclosure.

This information is general in nature. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to apply for or hold any particular product. You should read the fund’s Product Disclosure Statement and Target Market Determination before deciding, and consider whether the product suits your age, your other super and your circumstances. CompareThat compares products. We do not arrange, approve or process applications.