Money Magazine

Money magazine is Australia’s longest-running, highest-selling and most-read personal finance magazine. Money magazine provides credible, independent, easy-to-understand financial advice to help its readers save money and make the most of their investments.

Welcome • Welcome to the 24th edition of The Good Super Guide - your comprehensive handbook on choosing the best fund to help you reach your retirement goals.

Money Magazine

PERSPECTIVES & INFORMATION

Rainmaker AAA Quality Ratings • There are lots of superannuation products to choose from, but not all have a Rainmaker AAA Quality Rating.

How superannuation works • Australia’s superannuation system is complex. This guide will walk you through its core elements.

Are you entitled to super? • Are you a young person working in your first job and not sure if you should be receiving superannuation?

Find your lost inactive super and consolidate • Finding lost super and consolidating it into your current super fund is easy and FREE.

How super choice works • The trick to understanding super choice is knowing what it is and what it isn’t.

MySuper and choice funds • MySuper products are default superannuation products into which employers pay your compulsory SG contributions. But how does MySuper work?

Different types of super funds • Superannuation funds come in different types and market segments. Here we explain what each of these is so you can be sure to join the fund that is the best fit for you.

Lifecycle superannuation products • What are they, how do they work, and should you choose one for your default MySuper investment strategy?

Who runs your super fund? • MySuper products and super funds use many different expert advisers. Understanding the different roles they all play will help you make better sense of how a fund operates.

ETPs, digital-investing and managed accounts • Exchange traded products (ETPs), digital-investing and managed accounts are new ways for super fund members to invest their money. What are they, how do they work and what do they cost?

ESG and super • More super fund members are choosing funds that follow ESG investment principles. But what is ESG investing, does it outperform and how do you choose an ESG super fund?

Should I see a financial adviser? • Financial advisers are professional experts who can help you choose a super fund, select investment options and tailor your insurance protection.

Investment menus explained • The backbone of a super fund is its investment menu. What is it, how does it work, and how do you navigate your way through it?

Investment performance explained • Making sense of your MySuper product or fund’s investment performance figures can be difficult. This easy guide will explain how they work and what they really mean.

The performance test • Why do we need it, how does it work and what do its results mean?

Super fund performance 2025

MySuper investment performance • The table below describes investment returns after fees and taxes that fund members would have received from each MySuper product.

Insurance through your super • MySuper products and super funds use their group buying power to offer members insurance at wholesale prices. But how do you know if your fund’s insurance policy is any good?

MySuper products with best-value insurance 2025 • The table below describes the premium value of the standard insurance default cover available through different MySuper products where this is defined as insurance cover (sum insured) per dollar of weekly premium paid. MySuper products offering the best value are those with the highest values.

Super fund fees • To understand how much you are really paying in superannuation...