About

Fee Drag Notes is an independent information site about superannuation fees and choices in Australia. It is written for members who want to understand what their fund charges, compare products on fair terms, combine accounts without losing something important, and know which official body to contact when something goes wrong.

The guides explain the fee categories set out in every super PDS, the ATO's YourSuper comparison tool, APRA's annual performance test, the 2026–27 rules including the 12% super guarantee and payday super, consolidation through myGov, insurance inside super, access at preservation age, and complaints to AFCA. Calculators turn percentage fees into dollars and show how fee gaps compound.

We do not rank or recommend funds, we do not publish fund fee tables or returns as fact, and every dollar figure is an illustrative example. For real figures, use YourSuper, your fund's PDS and the ATO, APRA, ASIC Moneysmart and AFCA websites. The site is not affiliated with any super fund or government body.

This is general information only and not financial, tax or legal advice. Rules and thresholds change, so check the official source before acting, and consider a licensed financial adviser or registered tax agent for advice about your own situation.

How this site is made

Fee Drag Notes is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.