{"id":23138,"date":"2025-07-26T08:17:07","date_gmt":"2025-07-26T08:17:07","guid":{"rendered":"https:\/\/www.newsbeep.com\/au\/23138\/"},"modified":"2025-07-26T08:17:07","modified_gmt":"2025-07-26T08:17:07","slug":"heres-what-the-average-superannuation-fund-returned-in-fy25","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/au\/23138\/","title":{"rendered":"Here’s what the average superannuation fund returned in FY25"},"content":{"rendered":"\n

The median Australian superannuation<\/a> fund delivered double-digit returns in the 2025 financial year. <\/p>\n

Newly released data<\/a> from Chant West shows the median Australian growth superannuation fund returned 10.5% in FY25.<\/p>\n

This total return includes capital growth and dividends<\/a>. <\/p>\n

Despite the US tariff-induced market upheaval<\/a> and the Ukraine and Middle East conflicts, the median super fund outdid itself in FY25. <\/p>\n

Last year’s return was higher than in FY24 (9.1%) and FY23 (9.2%). <\/p>\n

Chant West defines a median growth super fund as one with 61% to 80% allocation to growth assets like international<\/a> and ASX shares.<\/p>\n

The data also reveals how other types of superannuation funds, such as balanced and conservative, performed over the 12 months. <\/p>\n

Let’s dig into the details. <\/p>\n

Shares drive ‘tremendous’ superannuation returns in FY25 <\/p>\n

Chant West senior investment research manager Mano Mohankumar said FY25 superannuation fund returns were “tremendous”. <\/p>\n

Mohankumar said resilient share markets were the primary driving force behind the impressive returns. <\/p>\n

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

The\u00a0S&P 500 Index\u00a0(SP: INX) rose by 13.63% and delivered total returns of 15.16%.<\/p>\n

The\u00a0Dow Jones Industrial Average\u00a0(DJX: .DJI) lifted 12.72%, with total returns of 14.72%.<\/p>\n

While shares outperformed, Mohankumar noted that all major asset classes generated positive returns in FY25. <\/p>\n

He said: <\/p>\n

International shares and Australian shares, which have average weightings of about 31% and 24% respectively within a typical growth portfolio, both returned 13.7%. <\/p>\n

Foreign currency was also a meaningful contributor due to the depreciation of the Australian dollar, with the international shares return of 13.7% (reflected in hedged terms) translating to 18.6% in unhedged terms.<\/p>\n

What about other assets? <\/p>\n

Mohankumar said infrastructure, which now makes up almost 10% of a typical growth superannuation fund, also performed strongly and delivered low double-digit returns in FY25. <\/p>\n

The data also shows good gains for the traditional defensive<\/a> asset classes, too. <\/p>\n

Australian bonds<\/a> and international bonds had their best year since FY19, rising 6.8% and 5.4%, respectively. <\/p>\n

Cash posted a return of 4.4%.<\/p>\n

Chant West is still collecting final FY25 data for unlisted assets such as unlisted property, unlisted infrastructure, and private equity.<\/p>\n

But Chant West expects solid gains. <\/p>\n

Mohankumar said: <\/p>\n

We estimate that private equity finished with gains in the 8% to 11% range and expect unlisted property, which was in the red in each of the two previous years, to finish with a positive return in the 2% to 5% range. <\/p>\n

Listed real assets were also up over the year, with international listed infrastructure returning an impressive 16.3%, while Australian listed property and international listed property posted gains of 13.7% and 8.4%, respectively. <\/p>\n

How did your superannuation fund do? <\/p>\n

The Chant West data documents how each type of superannuation fund performed in FY25. <\/p>\n

Think of these as industry benchmarks, and use them to compare how your superannuation fund performed in FY25. <\/p>\n

Did your fund meet or exceed these benchmarks?<\/p>\n

According to the data, ‘all growth funds’, which allocate 96% to 100% of superannuation monies to growth assets, returned 13.5% in FY25. <\/p>\n

‘High growth funds’, with 81% to 95% invested in growth assets, returned 11.7% last financial year. <\/p>\n

Balanced superannuation funds, which have 41% to 60% in growth assets and the rest in defensives, returned 8.8%. <\/p>\n

Conservative funds, which have a 21% to 40% allocation to growth assets, delivered investors returns of 7.3%. <\/p>\n

All types of Australian superannuation funds exceeded their long-term annual return objectives in FY25.<\/p>\n

Target returns range from inflation<\/a> (CPI) plus 1.5% for conservative funds through to CPI plus 4.25% for ‘all growth’ funds. <\/p>\n

Lesson of FY25 <\/p>\n

Mohankumar said the FY25 experience “highlighted the resilience of share markets and importance of maintaining a long-term focus”.<\/p>\n

The market experienced a meltdown in early April after US reciprocal tariffs<\/a>\u00a0were announced, causing global stocks to plunge<\/a>.<\/p>\n

Mohankumar said:<\/p>\n

Riding out the storm during periods of shorter-term volatility, far more often than not, is the best course of action.<\/p>\n

The median growth superannuation fund has delivered almost 30% returns over the past three years. <\/p>\n

How much super savings should you have for your age now? <\/p>\n

Earlier this month, we revealed that 33% of Australians don’t know their superannuation balance. <\/p>\n

One in nine has never checked it. <\/p>\n

Here’s how much superannuation savings you should have for your age right now<\/a>. <\/p>\n","protected":false},"excerpt":{"rendered":"The median Australian superannuation fund delivered double-digit returns in the 2025 financial year. Newly released data from Chant…\n","protected":false},"author":2,"featured_media":23139,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[64,63,99,6166,186,184,185],"class_list":{"0":"post-23138","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-au","9":"tag-australia","10":"tag-business","11":"tag-editors-choice","12":"tag-finance","13":"tag-personal-finance","14":"tag-personalfinance"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/23138","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/comments?post=23138"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/23138\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media\/23139"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media?parent=23138"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/categories?post=23138"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/tags?post=23138"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}