Best super fund for public sector and government workers
Many public sector workers have legacy defined-benefit components from state schemes (PSSap, CSS, QSuper DB, SASS). Your current fund needs to work alongside those — and sometimes it is those.
Aware Super is the industry fund for NSW and ACT public sector workers, plus health and community services. Strong long-term returns, low fees, and advice tuned to public-sector pay structures and leave entitlements.
Runners up
Solid alternatives if Aware Super doesn’t fit your situation:
- Australian Retirement Trust — 7.70% p.a. 10y return, $410/yr at $50k. Merger of Sunsuper and QSuper — second-largest fund in Australia.
- AustralianSuper — 7.90% p.a. 10y return, $337/yr at $50k. Australia's largest super fund by members and assets.
What to check before switching
- Do NOT roll a defined-benefit legacy without specific advice — it is usually a one-way decision
- QLD public servants with QSuper history should check Australian Retirement Trust (Sunsuper + QSuper merged)
- Federal public servants in PSSap should compare before rolling — PSSap has competitive fees
The three things that matter for every occupation
- 10-year net return beats any marketing claim. Check the ATO YourSuper tool.
- Fees in dollars, not percentages. At your balance, what does each fund actually charge per year?
- Insurance defaults vs your actual needs. Use our insurance cost calculator to see the retirement-savings trade-off.
Use the calculator
Plug any two funds into our compare funds calculator with your actual balance — the dollar gap over 20 years can be enormous even between “similar” funds.
General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser. This page is general information; the “best” fund depends on your personal circumstances.