Work hard today. Save for your future

Working for yourself doesn’t mean you’re alone. In fact, there’s 1 million other Australians just like you¹. At AustralianSuper, we understand why people like yourself – contractors, gig-economy workers, freelancers and trade experts – want to be your own boss and focus on what’s important to you.

Every dollar counts when you work for yourself

Being your own boss can give you freedom and control over your job. But while you’re focusing on the now, it’s important to get your money working for your future, too. Whatever extra you can add to your super balance now³, could make a big difference later.

At AustralianSuper, we’re with you every step of the way, making it easy for you to manage and add to your super. And because we’re a low admin fee fund⁴, more of your money goes into your super balance – and stays there.

A little now could be a lot in the future

Even if retirement feels far away, saving for your future now can pay off. By adding to your super now³, you could enjoy a more comfortable lifestyle when you finish working. And with power of compound interest, the earlier you invest, the longer your super has to grow.

This infographic introduces Neelima, who works for herself as a freelancer and is 37 years old. She earns $97,000 a year before tax and has a current super balance if $85,000. The infographic shows the difference to her balance on retirement at age 67 if she were to start contributing more to super now. If Neelima made no extra super contributions, her balance at 67 would be $178,000. If Neelima paid 11% of after-tax earnings annually, her balance at 67 would be $549,000. If Neelima paid 11% of after-tax earnings annually plus an extra lump sum of $5000 a year, her balance at 67 would be $781,000. This case study is for illustration purposes only. Gross earnings and lump sum contribution assumed to increase at 3.5% p.a. After-tax earnings based on 2022/23 ATO resident income tax rates plus 2% Medicare levy. Investment returns based on 6.5% p.a. after fees and taxes. Administration fee deducted from account balances of $52 p.a. + 0.10% p.a. of your account balance up to a maximum of $350 p.a. Nominal insurance premium of $500 p.a. Performance is not guaranteed. All figures calculated in today’s dollars by discounting at wage inflation of 3.5% and rounded to nearest $1,000. Before adding to your super, consider your financial circumstances, contribution caps that may apply, and tax issues. We recommend you consider seeking financial advice.

Strong, long-term performance

When you regularly add money to super, a fund with a history of top performance⁶. can help take the worry out of planning for your future.

Our Balanced option has consistently delivered strong long-term performance for members⁶. That means we have a history of helping members grow their super.

See our performance

Investing globally for members

As Australia’s largest⁷ , most-trusted⁸ super fund we use our size and investment expertise, together with our global reach to find the best investment opportunities.

How we invest

Join in minutes

It’s easy to see the difference being with one of Australia’s top-performing funds could make⁶. Become a member in under 15 minutes.

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Important information to consider
1. ABS, Working Arrangements, Characteristics of Employment, Australia methodology, August 2023
2. The Australian superannuation industry, ASFA, September 2022
3. Before adding to your super, consider your financial circumstances, contribution caps that may apply, and tax issues. We recommend you consider seeking financial advice.
4. Source: Zenith CW Pty Ltd (Chant West) (ABN 20 639 121 403). Chant West Super Fund Fee Survey December 2023. Survey compares administration fees and costs for MySuper products for a $50,000 balance. Other fees and costs apply. Fees may change in the future which may affect the outcome of this comparison.
5. This case study is for illustration purposes only. Gross earnings and lump sum contribution assumed to increase at 3.5% p.a. After-tax earnings based on 2022/23 ATO resident income tax rates plus 2% Medicare levy. Investment returns based on 6.5% p.a. after fees and taxes. Administration fee deducted from account balances of $52 p.a. + 0.10% p.a. of your account balance up to a maximum of $350 p.a. Nominal insurance premium of $500 p.a. Performance is not guaranteed. All figures calculated in today’s dollars by discounting at wage inflation of 3.5% and rounded to nearest $1,000. Before adding to your super, consider your financial circumstances, contribution caps that may apply, and tax issues. We recommend you consider seeking financial advice.
6. AustralianSuper Balanced investment option compared to the SuperRatings Fund Crediting Rate Survey - SR50 Balanced (60–76) Index to 31 March 2024. Investment returns are not guaranteed. Past performance is not a reliable indicator of future returns. Returns from equivalent investment options of the ARF and STA super funds are used for periods before 1 July 2006.
7. APRA Annual fund-level superannuation statistics June 2023. Released 13 December 2023.
8. Readers Digest Most Trusted Brands – Superannuation category winner for 11 years running 2013-2023 according to research conducted by leading independent research agency Catalyst Research. Ratings are only one factor to be taken into account when choosing a super fund.