Better relationships

Better relationships

We think you should know your super fund’s name for the right reasons, not the wrong ones.

As one of Australia's leading and most awarded super funds, our daily focus is doing our best for you. And yes, we're proud when our efforts are noticed and recognised by independent ratings agencies and the media.

We put members first by being consistently good at what we do – and open and honest about how we do it.
Benefits for members
This means we’re run only to benefit our members - no one else. We don’t pay profits to shareholders and any financial planning fees are disclosed upfront and only charged for agreed-upon services.
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Competitive long-term returns
Active investing approach
We invest with one goal in mind: to help you achieve the best possible lifestyle in the future. Discover how we actively manage all investments.
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Transparency, always
We’ve established rigorous standards, policies and procedures to make sure everything is managed openly, honestly and according to the law.
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About CareSuper
Our commitment to you

We put you first by focusing on quality outcomes in everything we do.


We believe that transparency forms the basis of a good relationship and as you'd expect, we take managing your super very seriously. To help you achieve a better retirement, we focus on delivering results through not only using an active and responsible investment approach but also by collaborating with the best service providers selected through rigorous processes and offering cost-effective investment and insurance options to suit all circumstances.

We're proud of our strong investment performance and we've got the awards to prove it. We've won (and been shortlisted for) many industry awards including SuperRatings' Choice Fund of the Year for 2017 and MySuper of the Year for 2018, and we hold the top ratings from all major research houses.

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So, what forms the basis of a stable super relationship?

1. Benefits for members

As an industry super fund, we operate for the interests of our members. Not every fund does. Some walk a tightrope to generate profits for super members and shareholders. We don't have shareholders who expect a return so our focus is unwaveringly on members, and our fee structure is based on covering expenses to deliver services, results and value.

We believe in a simple but powerful equation:
competitive fees + smart, proactive investing = a bigger net benefit.

The result? Over 15 years to 31 March 2022, our Balanced option returned over $64,000 more than the average of all surveyed retail funds and outperformed the average of all surveyed industry funds by over $16,000.

CareSuper Balanced option earnings over 10 years: $144,886.00.

Average* of the retail super balanced options: $80,729.00

We offer a wealth of services to suit all needs, and aim to be there every step of the way to help our members achieve their financial goals. Financial advice services are offered as part of membership and our approach to advice emphasises members' best interests. Any applicable fees are disclosed upfront, only being charged for agreed-upon services. Sounds like common sense, doesn’t it.

2. Active investing approach

We could just follow the ASX, but our members expect more…

Our expert team takes an active investing approach, which means we search for the best investment opportunities locally and overseas. And we add extra value by choosing specialised investments that we believe have potential to outperform the market, improving your return while managing risk. Over 20 years, our default investment option (the Balanced option) is the top performer, with an average return of 7.89% p.a.^

*Past performance is not a reliable indicator of future performance.
^Source: SuperRatings Fund Crediting Rate Survey – SR50 Balanced (60-76) Index, December 2018.

Our investment philosophy

3. Transparency, always

You’ve probably got high standards for the companies you interact with – especially those managing your money. And so you should.

We’re upfront about how we do things, and we’ve behaved this way for over 30 years. We obey the law (that’s a given), but we also have our own policies, procedures and regular reporting, so we’re completely accountable for the job we do.

Our offices are filled with human beings, so we may not get everything right 100% of the time, but we certainly aim to. And whether you’re a year or a lifetime away from using your super, we’re here to help you any time – openly and responsibly.