Ep: 367 Best super fund for 2025

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In this episode, Stuart reveals the results of his annual review of super fund performance, naming the best super fund for 2025. He compares returns across both Balanced and High Growth investment options from Australia’s leading industry and retail super funds, including Hostplus, UniSuper, ART, AustralianSuper, and the increasingly competitive Vanguard Super.

But investment returns and fees aren’t the only criteria that matter. Stuart delves deeper into overlooked factors, including transparency in asset valuation (especially for unlisted assets), board governance and experience, cybersecurity risks, and service quality. He raises red flags about funds influenced by union-backed boards and highlights service issues, including lengthy wait times and delayed payouts.

Stuart also explains the hidden tax costs in pooled super funds, especially the tax drag from unrealised capital gains, and how wrap platforms or SMSFs may offer smarter alternatives for engaged investors. He outlines when splitting super across two funds might be a useful diversification strategy, and who should consider using AustralianSuper’s Member Direct or a wrap platform like Hub24 or Netwealth.

Whether you're looking for the best net returns, lower tax drag, or more control over your retirement savings, this episode offers clear insights to help you optimise your super in 2025 and beyond.

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Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.

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Important

This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.