Fiducian Superannuation Fund — superannuation fund performance
Pensions: all tracked plans · Australian super in numbers · Private market performance · the PE statistics · what plans disclose · where they diverge
Fiducian Superannuation Fund reported A$3.0bn of total assets for 9,668 member accounts (average balance A$309k) in APRA's fund-level statistics for the year to 30 June 2025, with a one-year rate of return of 9.0%.
| Total assets | A$3.0bn |
| Member accounts | 9,668 |
| Average member balance | A$309k |
| 1-year rate of return | 9.0% |
| 5-year rate of return (annualised) | 6.8% |
| 10-year rate of return (annualised) | 5.7% |
| 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 30 June 2025: Payments to related parties — companies connected to the fund's own trustee or owner group — came to A$16.9m, equal to roughly 91.5% of its administration bill (a related-party payment is disclosed, not improper — but it is worth knowing who the fund pays).
| Operating expense ratio | 0.8% |
| Investment expense ratio | 0.1% |
| Administration and operating expenses | A$18.5m |
| Marketing spend | A$509k (about A$53 per member account) |
| Director remuneration | A$375k |
| Payments to related parties | A$16.9m |
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, 6 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 |
|---|---|---|---|---|
| AMFG Superannuation Service Super — AMFG Index Plus Balanced Managed Portfolio | Choice | Pass* | — | 1.0% |
| AMFG Superannuation Service Super — AMFG Index Plus High Growth Managed Portfolio | Choice | Pass* | — | 1.0% |
| Auxilium Superannuation Service Super — Auxilium Index Plus Balanced Portfolio | Choice | Pass* | — | 0.7% |
| Auxilium Superannuation Service Super — Auxilium Index Plus Conservative Portfolio | Choice | Pass* | — | — |
| Loyalty Wealth Superannuation Super — Loyalty Index Plus Growth (Auxilium) Portfolio | Choice | Pass* | — | — |
| Loyalty Wealth Superannuation Super — Loyalty Index Plus High Growth (Auxiliium) Portfolio | Choice | Pass* | — | — |
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$461k | TAL |
| Total & permanent disability (TPD) | — | — | A$356k | TAL |
| Income protection | — | — | A$132k | TAL |
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 10.1% lower than men's:
| Average balance — female members | A$237k |
| Average balance — male members | A$263k |
| Member accounts (female / male) | 3,860 / 3,741 |
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.