https://www.moneysmart.gov.au/superannuation-and-retirement/how-super-works/choosing-a-super-fund/types-of-super-funds
Retail funds
Retail funds are usually run by banks or investment companies.
- Anyone can join
- They often have a large number of investment options, sometimes in the hundreds
- They are usually recommended by financial advisers who may be paid for their advice by fees and/or a commission (commissions are being phased out)
- They are usually accumulation funds
- Most retail funds range from mid to high cost, but some are now offering a low cost or MySuper alternative
- The company that owns the fund aims to retain some profit
Industry funds
The larger industry super funds are open for anyone to join. Some others are restricted to employees in a particular industry. The main features of an industry fund are:
- They usually have a smaller number of investment options, which will meet most people's needs
- Most funds are accumulation funds. A few older funds still have defined benefit members
- They are generally low to mid cost funds
- Some offer MySuper accounts
- They are 'not for profit' funds which means profits are put back into the fund for the benefit of all members
MySuper
Many super funds offer a new type of account called MySuper. MySuper has replaced most existing default accounts offered by super funds. If you don't choose a super fund yourself your employer must now pay your employer contributions into a MySuper account.
MySuper accounts generally offer:
- Lower fees (and restrictions on the type of fees you can be charged)
- Simple features so you don't pay for services you don't need
- Single or life stage investment options
- Life insurance on an opt-out basis
MySuper is only offered for accumulation funds, not for defined benefit funds and does not apply to accounts in pension phase. Retail, industry and corporate funds can all offer MySuper accounts. See MySuper.
Self-managed super funds
These funds are discussed in detail on the self-managed super fund (SMSF) webpage.
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