10 best superannuation funds of FY25

The best-performing Australian superannuation fund delivered an impressive 12.9% total return.

You’re reading a free article with opinions that may differ from The Motley Fool’s Premium Investing Services. Become a Motley Fool member today to get instant access to our top analyst recommendations, in-depth research, investing resources, and more. Learn More

The median Australian superannuation fund delivered a 10.5% total return in FY25, beating the returns of FY24 (9.1%) and FY23 (9.2%).

New data from Chant West shows that despite the US tariff-induced market meltdown in April and ongoing global military conflicts, superannuation savings continued to rise last financial year.

A happy couple looking at an iPad.

Image source: Getty Images

Shares the key driver of FY25 superannuation returns

Chant West senior investment research manager Mano Mohankumar said resilient share markets drove the 'tremendous' FY25 results.

The S&P/ASX 200 Index (ASX: XJO) rose by 9.97% and produced total returns of 13.81% in FY25.

The S&P 500 Index (SP: INX) increased by 13.63% and delivered total returns of 15.16%.

The Dow Jones Industrial Average (DJX: .DJI) ascended 12.72%, with total returns of 14.72%.

Mohankumar said foreign currency was also a positive force for superannuation investments in FY25, given the falling Aussie dollar.

In hedged terms, international shares delivered a 13.7% return to superannuation investors. In unhedged terms, this translates to 18.6%.

While shares outperformed, Mohankumar noted that all major asset classes generated positive returns last financial year.

Notably, Australian bonds and international bonds had their best year in six years, rising 6.8% and 5.4%, respectively.

Top 10 median growth superannuation funds of FY25

According to Chant West, these are the top 10 median growth superannuation funds based on total returns for FY25.

Chant West defines a median growth superannuation fund as one with a 61% to 80% allocation to shares.

RankSuperannuation fund nameFY25 return
1legalsuper MySuper Balanced 12.9%
2Vanguard Super SaveSmart Growth 11.8%
3Colonial First State (CFS) FirstChoice Growth 11.2%
4Australian Retirement Trust Balanced 11.2%
5NGS Super Diversified (MySuper)11.2%
6smartMonday Balanced Growth 11.1%
7AMP Future Directions Balanced11%
8UniSuper Growth 11%
9Aware Super Balanced 10.9%
10Brighter Super MySuper10.9%
Source: Chant West. Performance is shown net of investment fees and taxes but before administration costs.

How did your superannuation fund perform?

The Chant West data documents how each type of superannuation fund performed in FY25.

You can use these industry benchmarks to compare how your superannuation fund performed in FY25.

According to the data:

  • 'All growth' funds, which allocate 96% to 100% of superannuation monies to growth assets, returned 13.5%
  • 'High growth' funds, with 81% to 95% invested in growth assets, returned 11.7%
  • 'Median growth' funds, as stated earlier, returned 10.5%
  • Balanced superannuation funds, which have 41% to 60% in growth assets and the rest in defensives, returned 8.8%
  • Conservative funds, which have a 21% to 40% allocation to growth assets, returned 7.3%

How much super savings do you need for retirement?

Australia's Retirement Standard is the benchmark guide for budgeting in retirement.

According to the Standard, couples need $690,000 and singles need $595,000 in superannuation by age 67 for a 'comfortable' retirement.

This assumes retirees own their homes debt-free, receive a part-pension, and get an average 6% annual return on their investments.

Find out how much superannuation you should have right now for your age.

Motley Fool contributor Bronwyn Allen has no position in any of the stocks mentioned. The Motley Fool Australia's parent company Motley Fool Holdings Inc. has no position in any of the stocks mentioned. The Motley Fool Australia has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

More on Superannuation

Man holding a calculator with Australian dollar notes, symbolising dividends.
Superannuation

The average Australian superannuation balance in 2026: 55 vs 65 year olds

Let's see how Australians compare at these ages.

Read more »

A wad of $100 bills of Australian currency lies stashed in a bird's nest.
Superannuation

Here's how much superannuation you need to retire at age 70

Higher cost of living means the cost of your retirement went up this year.

Read more »

Group of people dressed in business attire racing on track.
Superannuation

What Australians must focus on at 55 to build enough superannuation before retirement

Your 50s may be the most powerful decade for super growth.

Read more »

A woman holds out a handful of $50 Australian dollar notes.
Superannuation

This is the average superannuation balance at ages 60 and 70 in 2026

How does your super balance compare?

Read more »

A man thinks very carefully about his money and investments.
Superannuation

How much damage have recent share market falls done to superannuation balances?

Modest February gains have been followed by a March wipe out.

Read more »

Superannuation written on a jar with Australian dollar notes.
Superannuation

3 dependable ASX shares to add to a superannuation fund in 2026

I would trust these stocks with my retirement.

Read more »

Frazzled couple sitting out their kitchen table trying to figure out their finances or taxes.
Superannuation

If you're 55 and behind on superannuation, here's what you can still do

Worried about your super balance? Here's what you can do to boost it.

Read more »

An old man with wavy white hair folds his arms in a stubborn gesture as he stands defiantly in an outdoor setting.
Superannuation

Is your superannuation on track? Here's what to do if you're falling behind

Do you know what you need for a comfortable retirement?

Read more »