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1. WHY CHOOSE US?
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Delivering outstanding value super to over one million Australians.
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Investment performance Investment returns
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View my super dashboard MySuper dashboard
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2. WHAT WE OFFER
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SUPER ACCOUNTS
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loved ones.
SUPER HELPFUL
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Find out how we offer the right help to get more from your super.
--------------------------------------------------------------------------------
Investment performance View MySuper dashboard
Awards and ratings Explore our investment options
View my super dashboard Fees and costs
true
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Understand super basics When you can withdraw your super Early access to
your super How your super is taxed Using super to buy your first home
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are managed Responsible investing Investment returns
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need Your health and wellbeing How to make a claim
--------------------------------------------------------------------------------
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Retirement
PLAN YOUR RETIREMENT
Where to start with retirement planning How much you need to retire When you
can withdraw your super Growing your super savings Your income when you
retire
SET UP YOUR RETIREMENT
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Retirement income account Investing for retirement Government Age Pension
eligibility
MANAGE YOUR RETIREMENT
Manage your account in retirement Pension payment calendars Change your
income payments Switch your investment options Withdraw a lump sum
--------------------------------------------------------------------------------
Explore tools and calculators Explore tools and calculators
Attend a seminar and webinar Attend a seminar or webinar
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8.4% P.A. OVER 10 YEARS
High Growth option to 31 December 2023. Consider the PDS and TMD. Past
Performance is not an indicator of future performance*
Join here Latest performance
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With super advice and super returns, Aware Super is super helpful.
As one of Australia’s largest profit-for-members funds^, we always remember
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SUPER RETURNS
A top-10 return of 8.4% p.a. over ten years to 31 December 2023 is great news
for our members in our High Growth option. Past Performance is not an indicator
of future performance*
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SUPER FEES
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HALF-YEARLY INVESTMENT UPDATE 2023/24
Covering the latest news and market performance – and how it affects your super.
We also explore what you should look for in a good super fund, and the steps you
can take to get retirement ready.
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ACCESS VIDEO TRANSCRIPT
Hi, I'm Kat. So the first six months of the financial year has just been
incredibly busy, and I know members are wondering what's going on with
investment markets and their investment options. So let's go straight to the
source. I'm here with Damian Graham, our Chief Investment Officer, thanks for
joining us.
Thanks, Kat. It's great to be here.
So we're going to jump straight into it. This last six months has been full of
lots of talk around recession and inflation and rising cost of living and
geopolitical impacts. Can you just help us by cutting through some of that noise
and talking about what's going on, in investment markets and the impacts of
those things?
I will talk about the last 12 months, really, because it's been such an
important time for markets to think about what's happening globally. And what
really has been happening globally is inflation. It's been such a dominant
theme. So central banks started 2023 with high inflation around the world. And
that really has played out through the last 12 months with still elevated
inflation, but it has been falling. What that's meant for interest rates is
really critical though. So central banks have had to increase interest rates
over the last 12 months. And that has meant that investors have been nervous and
there has been periods of heightened volatility based on that risk aversion by
investors. Pleasingly, though, we sort of saw the end of 2023 where inflation
was starting to fall, and most investors felt that central banks were in the
position where they could lower interest rates within the next 6 or 12 months.
And that has benefited share markets. At the same time, we've had geopolitical
tensions in a number of different regions, and that has also led to some
investor uncertainty. But that inflation theme has been the dominant source of
uncertainty for investors.
So we're talking big investment terms here. I guess what's on a member's mind is
'what does it actually mean for me and my balance?'
Yeah. So the positive investment markets were able to deliver good outcomes to
member options. So if I start with our biggest option which is our high growth
accumulation option. So that's an option that has quite a lot invested in high
growth assets such as shares and property and infrastructure, private equity.
That returned over 12% for the calendar year. So really pleasing outcome. One of
the best in that area for a high growth option. If we look at the option that
most of our pension members invest in, which is our Conservative Balanced
option, that returns over 8% for the calendar year as well. So a really pleasing
outcome, they were both over and above the inflation plus objective for the
options over that one year period. Importantly though, when we look at the long
term and we look at the last ten years as being a key indicator of returns for
our members, because our members tend to be with us for decades, in accumulation
initially and then many years in retirement. So we look at those long term
returns as being really critical as well. And pleasingly, over the last ten
years, both the High Growth option and also the Conservative Balanced option,
both delivered really strong absolute returns for our members.
That's super comforting. I guess I just want to pick up on one thing that you
were talking about then, that there's a bit of a difference between the way
someone in accumulation invests and maybe someone who's in retirement.
So it sounds like we do take a little bit of the thinking and the monitoring out
of it, if that's what people would like to do. But obviously people always have
choice.
Absolutely.
Here is the million dollar question. How do you know if you're with a good fund?
I think there's some really critical factors that you need to look at. So I
mentioned the long term returns as being critically important. So what's going
to make the most difference to a member is what the long term returns will be
for the investment option that they're invested in. And I mentioned ten years
before but it's even longer than that. But we use that long term return is a
good indicator of are you with a fund that's very strongly performing compared
to the other funds in the market? And pleasingly Aware Super is in that
position. So our High Growth option, which is our main accumulation option as I
mentioned, has been really strongly performing in its peer group. So that's a
really critical part. We also make sure that we have lower costs for our
members. So because at the end of the day, it's the net-of-fee returns that
matter most, and that makes the most difference to what's in your balance at
retirement. We do also think that being with a larger fund allows that fund to
access a broader array of investments, and that the quality of those investments
is really important to delivering those long term returns, again, with with less
volatility typically. So we believe being with a larger fund is important as
well. And then the last point I would highlight is what we just touched on,
which is having a really good strategy to support members through their life
cycle, through their journey, when they're building their balance, and also when
they're in retirement. I think they're all key factors.
Yeah, and we hear so much from members as they're starting to, especially as
they're sort of approaching retirement. There's so many burning questions like,
do I have enough super? Or what is the dollar figure that I need to have at
retirement? What are my options around contributions or investment options? It
can be a lot. And I just want to give people comfort that at Aware Super, being
super helpful is in our absolute DNA. And we have many people on hand to answer
those questions with you. And we have people on the phones. We have advisors
that you can check in with. But a really great first step is actually with a
tool that we've just launched called the My Retirement Planner. And it's so much
more than just a calculator. It's a tool where you can jump on and you can play
with the different options and see that actually how it affects your retirement
adequacy or how much you might have and how much you might be able to live on in
retirement. And it's great. You can do it at your own pace and answer the
questions you might have, but sometimes a really helpful follow on to that is to
do what we call a Super Helpful Check-in, which is 45 minutes with one of our
professionals who actually can outline some of the next steps you might like to
consider.
Fantastic opportunities, because at the end of the day, what we're trying to do
is make sure our members are confident about their retirement.
Absolutely. Well, Damian, thank you. That has been amazing and very helpful for
our members, no doubt.
Thanks, Kat.
*Aware Super's High Growth option return over 10 years to 31 December 2023 was
8.4% p.a. Index median of 7.89% p.a. for the same period. Source: SuperRatings
Fund Crediting Rate Survey (FCRS) (SR50 Growth (77-90) Index) (approx. 50
options) December 2023. Returns are after investment fees and costs, transaction
costs, tax on investment income and any implicit admin fees. Past performance is
not an indicator of future performance.
We’re a multi-award winning super fund
View our awards
true
WHAT WE OFFER
ADVICE & GUIDANCE
Online, over the phone or in person – we have expert help available to help
ensure you’re set up for retirement.
EDUCATION EVENTS
Members can access a range of in-person and online events on a range of super
and finance topics.
INSURANCE
We offer a range of insurance options through our super accounts.
HEALTH & WELLBEING
Members can access mental health, nutrition, fitness and grief support services
at no extra cost.
MANAGING YOUR SUPER
Our secure award-winning App~ and our Member Portal makes managing your super
easy.
MAXIMISING YOUR SUPER
We offer a range of options to suit differing member needs, including our
MySuper Lifecycle, which tailors your investment mix based on your age.
Super impact
As a fund with over $160b in funds under management$, we know the impact we can
make for our members - and it's a responsibility we don't take lightly, not
ever.
Find out more
JOIN AWARE SUPER TODAY, IT ONLY TAKES A FEW MINUTES
The right choice today could mean a big difference to your future.
Become a member Learn more
LATEST NEWS AND UPDATES
New and improved portal, making super easy
We've added more super helpful features to your Member Online, so it's now even
simpler to manage your super.
* Make speedier contributions and tax deduction claims
* Track your actions in My Activities tracker
See what's new
How Aware Super is making the most of market volatility
Market volatility offers not just risks but also opportunities.
Hear from our Chief Investment Officer, Damian Graham, on how we’re focused on
making sure we take those opportunities for our members to generate long-term
returns.
Watch latest updates
Your super helpful guide to retirement
Retirement goals are different for everyone, but thinking about the question is
a great first step towards retiring with confidence. In our Retirement Guide,
you can find:
* answers to common questions about retirement
* real-life stories from other members
* activities to help you plan ahead
* a retirement planning checklist.
Read more
*Aware Super's High Growth option return over 10 years to 31 December 2023 was
8.4% p.a. Index median of 7.89% p.a. for the same period. Source: SuperRatings
Fund Crediting Rate Survey (FCRS) (SR50 Growth (77-90) Index) (approx. 50
options) December 2023. Returns are after investment fees and costs, transaction
costs, tax on investment income and any implicit admin fees. Past performance is
not an indicator of future performance.
The High Growth option is where the majority of our FutureSaver members are
invested. FutureSaver members who do not make an investment choice are invested
in our MySuper Lifecycle and allocated 100% to the High Growth option until they
reach age 56. Between 56 and 64, members’ allocations are adjusted each year
into age specific investment mixes across High Growth, Balanced and Conservative
Balanced options. From age 65, members are allocated 100% to the Conservative
Balanced option. Learn more by reading the Future Saver PDS, and see the returns
for our full range of options.
#Source: Chant West Super Fund Fee Survey 31 December 2023, High Growth [81-100%
in growth assets] investment option index and $50,000 account balance. Aware
Super High Growth option total fee is 0.99% p.a compared to an overall average
of 1.32% p.a. (approx. 73 options) and a retail fund average of 1.43% p.a.
(approx. 15 options). Total fee includes combined administration, transaction,
and investment fees and costs. Fees and costs can vary from year to year. Past
fees and costs are not a reliable indicator of future fees and costs. Fees and
comparisons may differ for other investment options and account balances.
^Based on the DEXXAR Industry Market Share Report June 2023 (includes VicSuper
which is part of Aware Super).
~The Aware Super app was awarded the Bronze Stevie Award at the 2022
International Business Awards.
$Aware Super data as of December 2023.
AWARDS
Money Magazine
Canstar
ChantWest
SuperRatings
RIAA
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DISCLAIMER
This website contains general advice only. We have not taken into consideration
any of your objectives, financial situation or needs or any information we hold
about you when providing this general advice. Further this website does not
contain, and should not be read as containing, any recommendations to you in
relation to your product. Before taking any action, you should consider whether
the general advice contained in this website is appropriate to you having regard
to your circumstances and needs and seek appropriate professional advice if you
think you need it. You should also read our Product Disclosure Statement (PDS)
and Target Market Determination (TMD) before making a decision about Aware
Super. Aware Super financial planning services are provided by Aware Financial
Services Australia Limited, ABN 86 003 742 756, AFSL No. 238430, wholly owned by
Aware Super. Issued by Aware Super Pty Ltd ABN 11 118 202 672, AFSL 293340, the
trustee of Aware Super ABN 53 226 460 365.
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