The median balance option reported a 8.8 per cent return in 2025, SuperRatings found. (Source: AAP\/Getty) <\/p>\n
New research has revealed which superannuation funds<\/a> have been the best performing over the last 10 years, with Hostplus, Australian Retirement Trust and AustralianSuper, making the list. Super funds<\/a> delivered another strong year of returns in 2025, with the top balanced options notching double-digit gains over the year.<\/p>\n The median balanced option returned 8.8 per cent to members for the full 2025 calendar year, research by SuperRatings found. This was below last year\u2019s 11.1 per cent return<\/a>, but still above the long-term average of 6.5 per cent since 2000.<\/p>\n Raiz Super\u2019s Moderately Aggressive Option was the top performer for the year<\/a> for balanced options, returning 12.4 per cent. This was followed by legalsuper\u2019s MySuper Balanced option and NGS Super diversified MySuper option, with returns of 11.3 and 11.2 per cent respectively.<\/p>\n RELATED<\/p>\n SuperRatings executive director Kirby Rappell said funds continued to deliver above expected returns, but there were doubts over how long such growth could last.<\/p>\n \u201cA negative return in November meant the median Balanced option missed reaching double digits for 2025 and the outlook for 2026 is increasingly unclear,\u201d he said.<\/p>\n \u201cWe encourage all members to focus on their long-term outcomes and ensure they are comfortable with their superannuation settings so they can tune out any noise in the coming months.\u201d<\/p>\n Do you have a story to share? Contact tamika.seeto@yahooinc.com<\/a><\/p>\n Looking over the long-term, Hostplus\u2019 Balanced option remains the top performer with an average return of 8.7 per cent per annum over 10 years.<\/p>\n It\u2019s closely followed by Australian Retirement Trust Super Savings Balanced with an average return of 8.5 per cent per annum.<\/p>\n AustralianSuper\u2019s Balanced option came fourth place with an average 10-year return of 8.2 per cent per annum.<\/p>\n SuperRatings found that an investment of $100,000 in the median balanced option 16 years ago would now be worth $304,911 in retirement savings<\/a>.<\/p>\n If invested in a median growth option, it would be worth $337,878, while those who invested in cash would have $146,378.<\/p>\n Here were the top balanced options over the last 12 months, according to SuperRatings.<\/p>\n Balanced funds are defined as those with 60 to 76 per cent invested in growth assets.<\/p>\n Raiz Super – Moderately Aggressive 12.4 per cent<\/p>\n legalsuper – MySuper Balanced 11.3 per cent<\/p>\n NGS Super – Diversified MySuper 11.2 per cent<\/p>\n Hostplus – Balanced 10.5 per cent<\/p>\n GESB Super – My GESB Super Plan 10.4 per cent<\/p>\n Hostplus – Indexed Balanced 10.4 per cent<\/p>\n Equip Super MyFuture – Balanced Growth 10.2 per cent<\/p>\n ESSSuper – Balanced Growth 10.1 per cent<\/p>\n Vanguard Super SmartSave – Growth 9.9 per cent<\/p>\n Colonial First State First Choice Personal – CFS Enhanced Index Balanced 9.7 per cent<\/p>\n Here were the top balanced options over the last 10 years, with the per annum return.<\/p>\n Hostplus – Balanced 8.7 per cent<\/p>\n Australian Retirement Trust – Super Savings – Balanced 8.5 per cent<\/p>\n Hostplus – Indexed Balanced 8.3 per cent<\/p>\n AustralianSuper – Balanced 8.2 per cent<\/p>\n UniSuper – Balanced 8.1 per cent<\/p>\n Vision Super – Balanced Growth 8.1 per cent<\/p>\n HESTA – Balanced Growth 8.0 per cent<\/p>\n Cbus – Growth (MySuper) 8.0 per cent<\/p>\n Aware Super Future Saver – Balanced 8.0 per cent<\/p>\n Equip Super MyFuture – Balanced Growth 7.9 per cent<\/p>\n SuperRatings has encouraged Aussies to consider their risk tolerance and do a health check on their fund across performance, fees and insurance.<\/p>\n If you are considering a change, seek professional advice through your fund or a trusted adviser.<\/p>\n Get the latest Yahoo Finance news – follow us on Facebook<\/a>, LinkedIn<\/a> and Instagram<\/a>.<\/p>\n Over the longer term, an investment of $100,000 in the average balanced option 16 years ago would now be worth just shy of $305,000. (Source: Getty) <\/p>\n