Australia’s Best Super Funds 2025

Whether you've got 10, 20 or 40 years to go until retirement, having your super invested in a top performing or low fee fund could mean thousands more for you to enjoy in retirement.

Our Mozo Experts Choice Superannuation Awards^ compared 53 super funds and over 395 investment options to find the best for high performance or low fees.

And the results showed that Aussies are missing out on thousands by choosing (or staying with) a poor performing fund. As outlined in the Mozo 2024 Super Report, on a super balance of $100,000, a top performing fund could have added anywhere from $6,299 to nearly $16,000 to the account over the 5 years (depending on the investment category), compared with an average fund. 

The same analysis on a $250,000 balance could have added between $16,145 and to more than a whopping $40,000!

That’s a pretty good reason to shop around, compare and consider  a super switch in 2025. Check out some of the award-winning funds below. 

Mozo Award-winning Super Funds

Note: Mozo may receive payment for listing the products below. Past performance is not a reliable indicator of future performance. For details about the claims made by fund providers, please refer to super funds’ websites. Important disclosures
Colonial First State Super (CFS)
  • CFS has helped over 3 million Australians (and counting) prepare for an unaverage retirement
  • Focused on delivering low admin fees and strong investment performance, helping you build your retirement savings faster
  • Investment flexibility: Aged-based lifestage option or design your own portfolio from over 190 investment options
  • Named Australia's Best Super Fund in the Mozo Experts Choice Awards

Looking for a super fund that blends experience with a focus on your financial future? Colonial First State (CFS) Super has been helping Australians grow their retirement savings for over 30 years. With a wide range of investment options,  CFS lets you tailor your super to suit your goals, whether you’re after a balanced approach or more growth-oriented strategies. CFS is laser focussed on providing long-term performance for its members and states its FirstChoice Wholesale Personal Super options has one of the lowest admin fees in the market. 

Colonial First State also has a range of free online tools to make it stay on top of your super and learn about investment choices. CFS also has a range of accessible advice options, to meet all customer needs. CFS has engaged Viridian Advisory to facilitate the provision of one-off personal financial product advice under their Australian Financial Services License to CFS members, as an agent of CFS. CFS also provides access to low-cost digital advice through Otivo Pty Ltd and on-going comprehensive advice through a network of third-party financial advisers.

Colonia First State was named Australia's Best Super Fund in the Mozo Experts Choice Superannuation Awards.

Virgin Money Super
  • Mozo Experts Choice Award winner for Exceptional MySuper + Low Fee MySuper 2025
  • Strong performing fund - 8.45% for 7 years investment returns to 30 June 2024 for birth year 1984 to 1988 (7.70% for 5 years investment returns to 30 June 2024 for birth year 1984 to 1988) for the Lifestage Tracker Option.
  • Earn Velocity points on contributions and any funds rolled over (T&Cs apply)
  • Simple super advice at no additional cost + automatic Death and Total Permanent Disablement cover

Virgin Money Super is a retail superannuation fund available to Australians and backed by Mercer Super, who has been providing superannuation related services to Australians for over 40 years. It offers a range of investment options from a fully managed Lifestage Tracker that does the investment work for you, to a choose your own investment mix option that gives you the opportunity to invest your money where you’re most comfortable. One Velocity Frequent Flyer Point will be awarded for every $5 of Net Super contribution during the Points Earn Period and the maximum number of Velocity Points in any financial year is 250K.

Virgin Money Super also provides automatic Death and Total Permanent Disablement cover and includes additional insurance options. Members can also get simple super advice over the phone from a qualified financial adviser at no additional cost.

Spaceship Super
  • Choice of growth or Index fund option
  • Simple fee structure
  • Digital dashboard to help you see where and how your super is invested
  • Mozo Experts Choice Award winner - High Growth

Spaceship Super first launched in 2017, and says that above all else it’s focussed on building long-term value for its members. This is why the fund’s options are primarily suited to people who are looking to save for retirement for at least the next 10 years, or longer. Members have a choice of the GrowthX option, which has a focus on Global technology companies, and the Global Index option which passively invests in growth assets, particularly international shares. Both options have a competitive performance track record according to Spaceship (based on annualised performance since inception) and have a simple fee structure.  

Spaceship Super’s digital platform helps you to keep track of your balance, and also gives you visibility of where and how your super is invested. If you’re saving for your first home, you can also set up a first super saver account. 

Winner of a Mozo Expert Choice Award for Exceptional Super in the High Growth Category. 

Australian Retirement Trust
  • One of Australia’s largest super funds with 2.3 million members and over $280 billion in retirement savings
  • Profits for members
  • Focused on strong long term investment returns and lower fees
  • Exclusive member deals and discounts
  • Mozo Experts Choice Awards winner - Exceptional Super Growth category

The Australian Retirement Trust (ART) is one of Australia’s newest super funds formed out of the merger of Sunsuper and QSuper. ART is open to all Australians, works for members and not shareholders, which means its focus is on lower fees and better value products and services. It has a range of investment options depending on your risk appetite and lifestage and offers members rewards including exclusive discounts at retailers. 

Membership also includes personal financial advice about your super accounts with them and eligible members are also provided with automatic Death and Total & Permanent Disability Assist cover. Tailored cover is also available (T&Cs apply).

ART was named a Mozo Experts Choice Superannuation Award winner for Exceptional Super in the Growth category.

Want to learn more about super topics or compare additional superfunds, head to our superannuation comparison hub!   

 ^Mozo Experts Choice Superannuation Awards


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