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The median Australian superannuation<\/a> fund delivered a 10.5% total return in FY25, beating the returns of FY24 (9.1%) and FY23 (9.2%).<\/p>\n New data<\/a> from Chant West shows that despite the US tariff-induced market meltdown<\/a> in April and ongoing global military conflicts, superannuation savings continued to rise last financial year. <\/p>\n Shares the key driver of FY25 superannuation returns <\/p>\n Chant West senior investment research manager Mano Mohankumar said resilient share markets drove the ‘tremendous’ FY25 results. <\/p>\n The S&P\/ASX 200 Index (ASX: XJO) rose by 9.97% and produced total returns of 13.81% in FY25.<\/p>\n The\u00a0S&P 500 Index\u00a0(SP: INX) increased by 13.63% and delivered total returns of 15.16%.<\/p>\n The\u00a0Dow Jones Industrial Average\u00a0(DJX: .DJI) ascended 12.72%, with total returns of 14.72%.<\/p>\n Mohankumar said foreign currency was also a positive force for superannuation investments in FY25, given the falling Aussie dollar.<\/p>\n In hedged terms, international shares delivered a 13.7% return to superannuation investors. In unhedged terms, this translates to 18.6%. <\/p>\n While shares outperformed, Mohankumar noted that all major asset classes generated positive returns last financial year. <\/p>\n Notably, Australian bonds<\/a> and international bonds had their best year in six years, rising 6.8% and 5.4%, respectively. <\/p>\n According to Chant West, these are the top 10 median growth superannuation funds based on total returns for FY25.<\/p>\n Chant West defines a median growth superannuation fund as one with a 61% to 80% allocation to shares. <\/p>\n RankSuperannuation fund nameFY25 return1legalsuper 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? <\/p>\n The Chant West data documents how each type of superannuation fund performed in FY25. <\/p>\n You can use these industry benchmarks to compare how your superannuation fund performed in FY25. <\/p>\n According to the data:<\/p>\n ‘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? <\/p>\n Australia’s\u00a0Retirement Standard<\/a> is the benchmark guide for budgeting in retirement<\/a>.<\/p>\n According to the Standard, couples need $690,000 and singles need $595,000 in superannuation by age 67 for a ‘comfortable’ retirement<\/a>. <\/p>\n This assumes retirees own their homes debt-free, receive a part-pension, and get an average 6% annual return on their investments.<\/p>\n