Super Funds

After 7(!) years straight of full time I am finally about to re-enter the land of the working. By default/laziness I’ve been with REST over that time as that’s who my first employer used way back when, but I’m looking at putting a bit of time & thought into a new super fund now that I’ll be working full time for the conceivable future and am old enough to care about such things.
I’m still naive enough to not care too much about how well it performs, but I do care about supporting(?) a super fund that is into sustainability etc if anyone has any recommendations.

Suncorp I’m with pretty stable, good growth year on year, large firm

Please change the thread title to ‘super, ■■■■■’

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I use VicSuper and I have all investment options selected for environmentally conscious investments or something like that. Really easy to change at the click of a button.

I’m sure most would offer something like that though. Good luck!

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sMSf and put it all in bitcoin

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We had an antivaxxer at work that resigned to go do this. made some money, then lost it all and came asking for a job.

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Oh wow when those consequences meet with those actions

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you can invest in ESG stuff, but when you look through and see what your invested in, it may not be that great either. Oil / Gas / energy are all coming back in vogue now as their is a energy crisis in Europe.

What I would be looking at if young, would be low fees, decent returns, particularly in Growth. Large enough that they won’t get taken over.

Ethical, great returns

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REST is a quality and value for money fund, I’d stay with them and explore the different investment options they have. It might be worth taking income protection insurance through your super fund as well.

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Whats in Hesta Sustainable Growth
lots of banks, miners, healthcare, retail, agriculture, property

Goldman Sachs Group Inc/The
BNP Paribas SA
CIT Bank
Credit Suisse Group AG
JPMorgan Chase & Co
Macquarie Group Ltd
Kaupthing ehf
Lehman Brothers Holding Inc.
CSI Bank
Siam Commercial Bank PCL/The
Clinuvel Pharmaceuticals Ltd
UBS Group AG
Goldman Sachs Group Inc/The
JPMorgan Chase & Co
carsales.com Ltd
Zip Co Ltd
EML Payments Ltd
Citigroup Inc
Inghams Group Ltd
JPMorgan Chase & Co
National Storage REIT
JPMorgan Chase & Co
Life360 Inc
CIT Bank
De Grey Mining Ltd
City Chic Collective Ltd
Silver Lake Resources Ltd
Regis Resources Ltd
JPMorgan Chase & Co
Bega Cheese Ltd
Netwealth Group Ltd
Ramelius Resources Ltd
St Barbara Ltd
Novonix Ltd
Lifestyle Communities Ltd
Telix Pharmaceuticals Ltd
Megaport Ltd
Shopping Centres Australasia Property Group
Pinnacle Investment Management Group Ltd
Domain Holdings Australia Ltd
JPMorgan Chase & Co
Gold Road Resources Ltd
Ingenia Communities Group
Chalice Mining Ltd
Canadian Imperial Bank of Commerce
Boral Ltd
Home Consortium Ltd
Imugene Ltd
Lake Resources NL
Premier Investments Ltd
BrainChip Holdings Ltd
ARB Corp Ltd
GUD Holdings Ltd
Citigroup Inc
Harvey Norman Holdings Ltd
Credit Corp Group Ltd
Nanosonics Ltd
Link Administration Holdings Ltd
Deterra Royalties Ltd
Nickel Industries Ltd
JPMorgan Chase & Co
Charter Hall Long Wale REIT
Great Southern Bank
nib holdings Ltd/Australia
IPH Ltd
Super Retail Group Ltd
Eagers Automotive Ltd
JPMorgan Chase & Co
Growthpoint Properties Australia Ltd
CIT Bank
Auckland International Airport Ltd
Fletcher Building Ltd
Orpea SA
Breville Group Ltd
Blackmores Ltd
Flight Centre Travel Group Ltd
Liontown Resources Ltd
HUB24 Ltd
Perseus Mining Ltd
Elders Ltd
JPMorgan Chase & Co
Charter Hall Retail REIT
Macquarie Group Ltd
Magellan Financial Group Ltd
TPG Telecom Ltd
Nufarm Ltd/Australia
AVZ Minerals Ltd
InvoCare Ltd
Bank of Queensland Ltd
Pendal Group Ltd
Insignia Financial Ltd
Corporate Travel Management Ltd
Cleanaway Waste Management Ltd
Bapcor Ltd
a2 Milk Co Ltd/The
Janus Henderson Group PLC
Healius Ltd
Cooperatieve Rabobank UA
Sumitomo Mitsui Banking Corporation
Webjet Ltd
Cromwell Property Group
IRESS Ltd
Fisher & Paykel Healthcare Corp Ltd
Uniti Group Ltd
GrainCorp Ltd
Altium Ltd
Citigroup Inc
Bank of Queensland
ME Bank
Reliance Worldwide Corp Ltd
Reece Ltd
Ansell Ltd
Bank of America Corp
Technology One Ltd
AMP Ltd
JB Hi-Fi Ltd
Goldman Sachs Group Inc/The
Domino’s Pizza Enterprises Ltd
SVB Financial Group
AUB Group Ltd
Challenger Ltd
Steadfast Group Ltd
carsales.com Ltd
Block Inc
Perpetual Ltd
JPMorgan Chase & Co
IDP Education Ltd
CSR Ltd
Chorus Ltd
Schindler Holding AG
ING Groep NV
Pilbara Minerals Ltd
Sandfire Resources Ltd
WiseTech Global Ltd
Pro Medicus Ltd
Allkem Ltd
Qube Holdings Ltd
Orica Ltd
Medibank Pvt Ltd
Bright Horizons Family Solutions Inc
Goldman Sachs Group Inc/The
Vicinity Centres
Oversea-Chinese Banking Corp Ltd
Alumina Ltd
Endeavour Group Ltd/Australia
Lendlease Corp Ltd
Bank of Nova Scotia/The
Intuitive Surgical Inc
GPT Group/The
Sims Ltd
HSBC Holdings PLC
Atlas Arteria Ltd
Schindler Holding AG
Champion Iron Ltd
Arena REIT
Watts Water Technologies Inc
Insurance Australia Group Ltd
Costa Group Holdings Ltd
Toast Inc
Virgin Money UK PLC
SAP SE
Bendigo & Adelaide Bank Ltd
Credit Agricole SA
Mizuho Bank Ltd
Charter Hall Group
Iluka Resources Ltd
Illumina Inc
10X Genomics Inc
Estee Lauder Cos Inc/The
Xylem Inc/NY
ResMed Inc
Dexus
Signature Bank/New York NY
First Solar Inc
UBS Group AG
Sonic Healthcare Ltd
American Water Works Co Inc
Mercedes-Benz Group AG
ASML Holding NV
REA Group Ltd
Ball Corp
Computershare Ltd
HSBC Holdings PLC
Suncorp Bank
Legal & General Group PLC
BlueScope Steel Ltd
KBC Group NV
OZ Minerals Ltd
EssilorLuxottica SA
Terumo Corp
Mirvac Group
Australia & New Zealand Banking Group Ltd
DBS Bank Ltd
Verizon Communications Inc
Bendigo & Adelaide Bank Ltd
Citigroup Inc
Evolution Mining Ltd
IGO Ltd
Sunrun Inc
Prudential PLC
Sekisui House Ltd
Newcrest Mining Ltd
NVIDIA Corp
Kingspan Group PLC
SEEK Ltd
Brambles Ltd
Unilever PLC
Treasury Wine Estates Ltd
Lynas Rare Earths Ltd
Trimble Inc
ASX Ltd
Coles Group Ltd
NEXTDC Ltd
Adyen NV
Aptiv PLC
Takeda Pharmaceutical Co Ltd
Shopify Inc
Stockland
Sika AG
Schneider Electric SE
STERIS PLC
Taiwan Semiconductor Manufacturing Co Ltd
Northern Star Resources Ltd
Ramsay Health Care Ltd
Symrise AG
Adobe Inc
PTC Inc
Visa Inc
Nutanix Inc
AIA Group Ltd
eBay Inc
Roper Technologies Inc
Cochlear Ltd
Nine Entertainment Co Holdings Ltd
Zalando SE
Siemens Healthineers AG
ABIOMED Inc
Ecolab Inc
Eli Lilly & Co
United Overseas Bank Ltd
Suncorp Group Ltd
Palo Alto Networks Inc
Danaher Corp
Twilio Inc
Orora Ltd
Xero Ltd
ANTA Sports Products Ltd
Cooper Cos Inc/The
Carlisle Cos Inc
CBRE Group Inc
Woolworths Group Ltd
Ocado Group PLC
Novo Nordisk A/S
ALS Ltd
James Hardie Industries PLC
Citigroup Inc
Scentre Group
Alphabet Inc
Taiwan Semiconductor Manufacturing Co Ltd
Wesfarmers Ltd
MercadoLibre Inc
Transurban Group
Amcor PLC
Ashtead Group PLC
Legrand SA
Commonwealth Bank of Australia
Alibaba Group Holding Ltd
Metcash Ltd
Gartner Inc
Salesforce Inc
Intel Corp
Applied Materials Inc

Fortescue Metals Group Ltd
Clarivate PLC
Goodman Group
Analog Devices Inc
Royal Bank of Canada
Qantas Airways Ltd
Trane Technologies PLC
adidas AG
QBE Insurance Group Ltd
Becton Dickinson and Co
Charles Schwab Corp/The
Westpac Banking Corp
Jones Lang LaSalle Inc
Baxter International Inc
Equifax Inc
Vestas Wind Systems A/S
JPMorgan Chase & Co
Thermo Fisher Scientific Inc
Henry Schein Inc
JPMorgan Chase & Co
Australia & New Zealand Banking Group Ltd
Mastercard Inc
National Australia Bank Ltd
Amazon.com Inc
Macquarie Group Ltd
Westpac Banking Corp
Telstra Corp Ltd
Microsoft Corp
Generation Investment Management LLP
National Australia Bank Ltd
Commonwealth Bank of Australia
CSL Ltd
ISPT Pty Ltd
Stafford Capital Management LLC
Blackrock
Investa Property Group
PIMCO

my super is down 5% from last year, very disheartening.

Most are, due to the financial climate. If it’s concerning you, it might be worth looking into a self managed fund. Your financial advisor will be able to help you. We’ve made money for our clients over the last 12 months, not massive amounts, but it’s something the team is pretty proud of. Luckily for our clients, I have absolutely no part in that side of the business. :grin:

it is a Self Managed one…
I did google what the average was for 2022 and it said 4% down so not wildly off, just confronting when you see the figures

yolo it on red

The upside is that you now have greater buying power. You’re getting more units for every dollar that is going into super.

As long as you weren’t retiring just now, you’ll bounce back over the longer term.

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as much as I would like to be retiring soon, I have a few more years of work yet unfortunately.

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Worked for a few years in the super industry.

Generic advice - Just get Australian Super, pick your appropriate lifestage option and feed it like crazy right now.

The only other one I’d consider starting a fresh would be Vanguards new super offering. Ultra low fees and ride the returns of the S&P500. I think this will turn out to be a very good retirement product.

For disclosure I’m actually in australia retirement trust(merger of SunSuper and Q Super). It’s a large Queensland based industry fund which is ok.

Personally I don’t think much of SMSFs. They take time and money to administer and most people overestimate their ability to manage their own wealth. (Or if they access a financial planner to do it they aren’t paying for someone whose really good).

All general advice. SMSFs are valid for some for example.

WRAP products and other retail choice superannuation products are for fools. You will generally come out worse off over the long term. I can’t really see why you would be in one unless the business selling them paid your employer to put you in one.

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That’s a good return, your super fund is outperforming the broader market.

Don’t forget the year prior many super funds made a mint as the market roared.

I’ve been with Colonial First State for 10+years and they’ve been fine. I can spread my super out across various return markets and adjust each share if needed. On average I’ve made a return of around 8-12% each year.