ANZ Australian Staff Superannuation Scheme — superannuation fund performance
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ANZ Australian Staff Superannuation Scheme reported A$7.5bn of total assets for 28,549 member accounts (average balance A$251k) in APRA's fund-level statistics for the year to 30 June 2025, with a one-year rate of return of 12.2%.
| Total assets | A$7.5bn |
| Member accounts | 28,549 |
| Average member balance | A$251k |
| 1-year rate of return | 12.2% |
| 5-year rate of return (annualised) | 6.4% |
| 10-year rate of return (annualised) | 7.0% |
| Investment options offered | — |
What running the fund costs
For its reporting year ended 31 December 2024, ANZ Australian Staff Superannuation Scheme ran on an operating expense ratio of 0.0% — the running cost per dollar of savings (0.5% is 50 cents per A$100 a year). Payments to related parties — companies connected to the fund's own trustee or owner group — came to A$449k, equal to roughly 248.6% of its administration bill (a related-party payment is disclosed, not improper — but it is worth knowing who the fund pays).
| Operating expense ratio | 0.0% |
| Investment expense ratio | 0.5% |
| Administration and operating expenses | A$181k |
| Payments to related parties | A$449k |
The annual performance test
Every year the regulator tests most super products against a benchmark portfolio — fail twice and the product must close to new members. As at 30 June 2025, 13 of this fund's products and options were tested, and every one of them passed:
| Product / option | Type | Test result | 10-yr return | Admin fee |
|---|---|---|---|---|
| ANZ Staff MySuper | MySuper | Pass | 6.8% | 0.2% |
| Personal Section — Aggressive Growth | Choice | Pass | 8.5% | 0.1% |
| Employee Section A — Aggressive Growth | Choice | Pass | 8.5% | 0.1% |
| Personal Section — Balanced Growth | Choice | Pass | 6.8% | 0.1% |
| Employee Section A — Balanced Growth | Choice | Pass | 6.8% | 0.1% |
| Personal Section — Cautious | Choice | Pass | 4.3% | 0.1% |
| Employee Section C — Balanced Growth | Choice | Pass | 6.8% | 0.1% |
| Employee Section A — Cautious | Choice | Pass | 4.3% | 0.1% |
| Employee Section C — Aggressive Growth | Choice | Pass | 8.5% | 0.1% |
| Partner Section — Balanced Growth | Choice | Pass | 6.8% | 0.1% |
| Partner Section — Aggressive Growth | Choice | Pass | 8.5% | 0.1% |
| Employee Section C — Cautious | Choice | Pass | 4.3% | 0.1% |
Showing 12 of 13 tested products/options for this fund (largest first).
Does the insurance pay out?
Most super accounts carry insurance, paid from your balance. The admittance rate is the share of finalised claims the insurer accepted in the year to 30 June 2025 — the single best number for "does this cover actually pay".
| Cover type | Claims accepted (1-yr) | Claims paid | Premiums collected | Insurer |
|---|---|---|---|---|
| Life insurance (death cover) | — | — | A$4.8m | OnePath Life Limited |
| Total & permanent disability (TPD) | — | — | A$5.1m | OnePath Life Limited |
| Income protection | — | — | A$197k | OnePath Life Limited |
The gender gap in this fund
In ANZ Australian Staff Superannuation Scheme, women's average balance was 33.8% lower than men's — from the fund-level member demographics APRA last published for the year to 30 June 2022:
| Average balance — female members | A$166k |
| Average balance — male members | A$251k |
| Member accounts (female / male) | 16,310 / 13,780 |
Compare ANZ Australian Staff Superannuation Scheme with similar funds
The funds closest to ANZ Australian Staff Superannuation Scheme in size, side by side — each with its own page for the fees, insurance and performance-test detail:
| Fund | Assets | 1-yr return | 10-yr return | Why comparable |
|---|---|---|---|---|
| Building Unions Superannuation Scheme (Queensland) | A$7.5bn | 10.0% | 6.8% | Similar size |
| OneSuper | A$7.6bn | 7.6% | 5.5% | Similar size |
| legalsuper | A$7.1bn | 13.1% | 7.2% | Similar size |
| Essential Super | A$6.6bn | 12.1% | 6.5% | Similar size |
| Prime Super | A$8.5bn | 10.4% | 6.6% | Similar size |
| National Mutual Retirement Fund | A$5.7bn | 8.2% | 5.7% | Similar size |
Questions this page answers
How big is ANZ Australian Staff Superannuation Scheme?
ANZ Australian Staff Superannuation Scheme held A$7.5bn in total assets for 28,549 member accounts in the APRA fund-level statistics for the year to 30 June 2025.
What return has ANZ Australian Staff Superannuation Scheme delivered?
ANZ Australian Staff Superannuation Scheme reported a 12.2% one-year rate of return, and 7.0% a year over the past ten years, at whole-of-fund level in the APRA fund-level statistics.
What does ANZ Australian Staff Superannuation Scheme charge in fees?
ANZ Australian Staff Superannuation Scheme reported an operating expense ratio of 0.0% and an investment expense ratio of 0.5% for its reporting year ended 31 December 2024 — the running cost per dollar of savings (APRA fund-level statistics).
Did ANZ Australian Staff Superannuation Scheme's products pass the performance test?
13 of ANZ Australian Staff Superannuation Scheme's products and options were tested against the regulator's annual performance test as at 30 June 2025, and every one passed.
See also: Australian super in numbers — marketing spend, expenses, the gender gap and two decades of consolidation across all APRA-regulated funds · all tracked plans.