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
An expense ratio is the running cost per dollar of savings — 0.5% means 50 cents per A$100 of assets each year. These are the fund's own figures for its reporting year ended 31 December 2024: 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 2024, 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 | 6.7% | 0.2% |
| Personal Section — Balanced Growth | Choice | Pass | 6.7% | 0.1% |
| Personal Section — Aggressive Growth | Choice | Pass | 8.6% | 0.1% |
| Employee Section A — Balanced Growth | Choice | Pass | 6.7% | 0.1% |
| Employee Section A — Aggressive Growth | Choice | Pass | 8.6% | 0.1% |
| Employee Section C — Aggressive Growth | Choice | Pass | 8.6% | 0.1% |
| Personal Section — Cautious | Choice | Pass | 4.2% | 0.1% |
| Employee Section A — Cautious | Choice | Pass | 4.2% | 0.1% |
| Employee Section C — Balanced Growth | Choice | Pass | 6.7% | 0.1% |
| Partner Section — Aggressive Growth | Choice | Pass | 8.6% | 0.1% |
| Partner Section — Balanced Growth | Choice | Pass | 6.7% | 0.1% |
| Employee Section C — Cautious | Choice | Pass | 4.2% | 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
APRA last published fund-level member demographics for the year to 30 June 2022. In this fund, women's average balance was 33.8% lower than men's:
| Average balance — female members | A$166k |
| Average balance — male members | A$251k |
| Member accounts (female / male) | 16,310 / 13,780 |
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.