Best super fund for farmers and agriculture workers
Farming mixes self-employment, family trusts, and income that can swing wildly year to year. The right fund handles lumpy contributions, catch-up concessional caps, and works for households with one primary earner.
Australian Retirement Trust (Sunsuper + QSuper merged) has deep regional Queensland and NSW roots, strong long-term returns, and administration used to agricultural income timing. Competitive fees at higher balances.
Runners up
Solid alternatives if Australian Retirement Trust doesn’t fit your situation:
- AustralianSuper — 7.90% p.a. 10y return, $337/yr at $50k. Australia's largest super fund by members and assets.
- Aware Super — 8.10% p.a. 10y return, $547/yr at $50k. Public-sector-origin fund, now open to all Australians.
What to check before switching
- Use catch-up concessional cap rules in low-income years to top up from better years — see our contribution caps calculator
- Consider spouse contributions if your partner is the one doing on-farm work for little formal income
- An SMSF can hold business real property (the farm) — but it's complex. See our SMSF setup guide before going down this path
The three things that matter for every occupation
- 10-year net return beats any marketing claim. Check the ATO YourSuper tool.
- Fees in dollars, not percentages. At your balance, what does each fund actually charge per year?
- Insurance defaults vs your actual needs. Use our insurance cost calculator to see the retirement-savings trade-off.
Use the calculator
Plug any two funds into our compare funds calculator with your actual balance — the dollar gap over 20 years can be enormous even between “similar” funds.
General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser. This page is general information; the “best” fund depends on your personal circumstances.