Super Performance Check

Is your super fund costing you a comfortable retirement?

APRA's 2024 performance test flagged 37 products for underperformance. On a $200,000 balance, 1% annual underperformance costs you $43,000 over 20 years.

Step 1 of 6
What is your super fund called?

Check your most recent super statement or myGov account. If you have multiple funds, enter the largest.

Step 2 of 6
Is your fund an industry fund or a retail fund?
Industry fund e.g. AustralianSuper, Hostplus, REST, HESTA, UniSuper, Cbus, Aware, CBUS
Retail fund e.g. Colonial First State, MLC, AMP, OnePath, ANZ Smart Choice, CommBank Essential
Public sector fund e.g. QSuper, Commonwealth Super, State Super
Not sure
Step 3 of 6
Which investment option are you in?
Balanced / MySuper default The standard option if you have never chosen
High growth / Growth / Shares Higher risk, higher expected returns over the long term
Conservative Lower risk, lower expected returns
Lifecycle / Age-based Automatically adjusts as you get older
Not sure
Step 4 of 6
Approximately how old are you?
Under 35 Long investment horizon — growth options typically appropriate
35 to 50
50 to 60 Starting to consider retirement timing
Over 60 May be approaching retirement — sequencing risk important
Step 5 of 6
What is your approximate super balance?

Check your most recent statement or myGov. Used to estimate the dollar cost of any underperformance.

Step 6 of 6
Do you have life or income protection insurance inside your super?
Yes Switching funds without rolling over insurance could leave you uninsured
No
Not sure
General Advice Warning
This tool provides general information only. Superannuation decisions — especially regarding switching funds, insurance inside super, and retirement income — can have significant long-term consequences. Centza does not hold an AFSL. Consider speaking with a licensed financial adviser before changing your super fund.

Assessing your fund's performance against APRA data...