Compare the difference

How much better off could you be?

Whether your retirement is a long way off or just around the corner, it's important to have the right super.
One that's working hard for you.

What a difference fees can make

A small difference in fees can make a big difference in how much super you have at retirement.

  • Important information for Retirement

    • Age

      25

    • Annual Salary

      $45,000

    • Super Balance

      $22,000

    • *Better off by

      $100,678

  • Important information for Retirement

    • Age

      35

    • Annual Salary

      $60,000

    • Super Balance

      $50,000

    • *Better off by

      $83,223

  • Important information for Retirement

    • Age

      45

    • Annual Salary

      $80,000

    • Super Balance

      $70,000

    • *Better off by

      $50,648

Find out how much better off you could be...

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^ Super AppleCheck is provided by independent research consultant, Chant West Financial Services. While AustralianSuper has paid Chant West a fee for making the service available to you, AustralianSuper has no influence over the research results and ratings and does not accept responsibility for any loss or damage caused by the service.

Assumptions

* Lifetime of difference calculator, SuperRatings, 30 June 2011. Compares AustralianSuper's fees against those of the average retail super fund.

These calculations are used to give you an idea of the impact of fees on your super. They do not take into account investment performance or your personal circumstances. The assumptions are based on a broad range of ages, salaries and starting super balances and compares AustralianSuper's fees against those of the average retail super fund.
The difference is in today's dollars. You should not rely on this information for the purposes of making a decision about your super but think about obtaining advice from a financial services licensee before making any financial decisions.

Assumptions as at 30 June 2011:
1. 3.5% pa Salary Increase
2. 9% SG Contribution
3. Investment returns assumed to be the same for both funds net of taxes but gross of fees
Retirement at age 65
Inflation rate of 2.5%
7.225% is assumed as investment return constantly to retirement.
No additional salary sacrifice or voluntary contributions15% contribution tax
Income is paid at the end of every year (i.e. compounded annually)
Contributions are made quarterly in arrears (i.e. the first contribution is made 3 months after joining fund)
Annual salary is deemed to be total assessable income for the purposes of Superannuation contribution surcharge calculations. Explicit costs deducted from members' accounts (e.g. member fee) is subject to a 15% tax allowance.
Fees: Any contribution fees, entry fees, exit fees, and/or additional adviser fees are excluded from the default position of this model. However, contribution fees can be modelled by operator.
All fees (asset based admin fees, investment fees and member fees) are deducted from the account at the end of each period (year)
Asset size discounts on fixed dollar member fee are used to meet the different account balance of each scenario
Asset based admin fee is also subject to different level of employer asset sizes (i.e. asset size discounts are used on each scenario, if applicable).
The employer asset size of $150,000 is accumulated at a rate of 11.6% on a yearly basis

Disclaimer

SuperRatings Benchmark Report 2010. SuperRatings Balanced Option Crediting Rate Survey to 30 June 2011.

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