Best super fund for software engineers and tech workers
Tech workers typically earn above average with fewer physical-injury risks — so the game is fees, long-term compounding, and indexed-style low-cost options. Insurance defaults matter less than they do for trades.
AustralianSuper is the default choice for generalist white-collar workers: $2.8B+ in members, strong 10-year net returns, low percentage-based fees that stay reasonable on higher balances, and flexible investment menus including indexed options.
Runners up
Solid alternatives if AustralianSuper doesn’t fit your situation:
- Vanguard Super — 7.50% p.a. 10y return, $350/yr at $50k. Indexed super from the world's second-largest asset manager. Launched 2022.
- UniSuper — 7.80% p.a. 10y return, $346/yr at $50k. Industry fund originally for higher education and research.
What to check before switching
- High-income earners above $250k should check our Division 293 calculator — extra 15% tax applies
- Vanguard Super is the cheapest indexed option if you believe the research on passive outperformance
- If your company offers a different default fund, do the 10-year net return + fee comparison before switching to stay
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.