What each super fee is, what drives it, how to compare products, and the rules that apply in 2026–27.
This section explains what you actually pay a super fund and why. Start with the super fund fees overview, which walks through the fees and costs summary every product disclosure statement must contain and links to a detailed guide for each line.
The detailed guides cover administration fees (flat dollar amounts versus percentages), investment fees and indirect costs including performance fees and transaction costs, buy/sell spreads and switching fees, and insurance premiums deducted from your account. Two guides explain the official comparison tools: the ATO's YourSuper comparison tool and APRA's annual performance test, including what to do if your product fails.
The 2026 rules guides set out the 12% super guarantee, payday super from 1 July 2026, and the main 2026–27 thresholds a member should know about, such as the contribution caps and the transfer balance cap, with the status of the Division 296 tax on very large balances.
Fee and return figures in these guides are illustrative examples chosen to show the arithmetic. For real numbers, use YourSuper and your fund's current PDS. Nothing here is financial advice.
Fees, Comparisons and 2026 Rules
How super administration fees work in Australia — weekly flat fees, percentage fees, caps and tiers — with worked examples at different balances and multiple accounts.
Fees, Comparisons and 2026 Rules
How APRA's annual superannuation performance test works for MySuper and trustee-directed products, what the 2026 results show, and the steps to take if your product fails.
Fees, Comparisons and 2026 Rules
How buy/sell spreads and switching fees work in Australian super funds, when they apply to rollovers and option switches, and worked examples of the cost.
Fees, Comparisons and 2026 Rules
How investment fees and costs, performance fees and transaction costs work in Australian super, why they vary by option, and how to read them in a PDS.
Fees, Comparisons and 2026 Rules
How payday super works from 1 July 2026, the 12% super guarantee rate, who is eligible, and how to check each payment reaches your fund within 7 business days.
Fees, Comparisons and 2026 Rules
The 2026–27 super numbers a fund member needs in one place — contribution caps, carry-forward, transfer balance cap, Division 293 and the status of the Division 296 tax.
Fees, Comparisons and 2026 Rules
A plain-English guide to Australian super fund fees for 2026–27 — administration, investment, transaction, buy/sell, advice and insurance costs, with dollar examples.
Fees, Comparisons and 2026 Rules
A step-by-step guide to the ATO's YourSuper comparison tool — what it shows, what it leaves out, and how to use it alongside your own statement before changing funds.
