Industry fund
NGS Super
NGS Super combines a MySuper default with indexed, diversified and sector options. Its advice service starts with limited help about a member's NGS account.
THE OVERVIEW
About NGS Super
NGS is an industry super fund with an established education-sector identity. Its products also give members choices beyond the default portfolio.
Who can join
Use the current joining criteria and insurance guide for the membership being considered; workplace arrangements can affect cover.
THE SUPERGURU VIEW
Our take
Worth comparing if you want a conventional industry fund but also want an indexed portfolio or help with a specific super question.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE NUMBERS
Fees and investment returns
Use the product, investment option and employer plan on your statement. Lifecycle members need to choose the relevant stage. APRA's investment pathways may include closed options held by existing members.
| Measure | NGS Diversified (MySuper) |
|---|---|
| Return basis | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | 9.96% |
| 5-year return, per year | 6.67% |
| 7-year return, per year | 7.01% |
| 10-year return, per year | 7.72% |
| APRA strategic growth allocation | 78.94% |
| Reported total fees, net of tax, at $50,000 | $515 a year (1.03%) |
| Administration and advice costs, net of tax (included in total) | $140 a year |
| 2026 performance test | Pass |
| New-member status at reporting date | Check the current product eligibility rules |
Source: APRA Comprehensive Product Performance Package 2026, published 28 August 2026. Fees reflect the reporting year to 30 June 2026, are net of tax, use standard arrangements and exclude member-activity fees. Dollar figures are rounded. They are not a current quote. Check the latest PDS for changes, insurance premiums and any separately charged advice.
Returns are annualised historical results. Different return bases, risk levels and periods cannot be treated as interchangeable. MySuper net returns use a $50,000 representative balance even when you change the fee balance. A lifecycle stage return does not track a person moving between stages. Missing figures mean not reported, not zero. Past returns do not predict future returns. Read our method and APRA's definitions.
A CLOSER LOOK
Inside NGS Super
Accounts and products
Accumulation, transition-to-retirement and Income accounts.
Investment choices
Diversified is the MySuper option. Other choices include High Growth, Balanced, Defensive, Indexed Growth and sector options such as Australian shares, international shares, infrastructure, property, bonds, cash and term deposits.
Insurance
Insurance is available under the current guide. Compare cover definitions, insured amounts and premiums rather than relying on a general service award.
Retirement income
Income and transition-to-retirement accounts have separate disclosure documents. NGS explains that investment earnings are treated differently in these account types.
Advice and support
Single-issue advice limited to an NGS account and its insurance is available without a separate charge. Broader tailored advice is offered on an agreed fee-for-service basis.
Fee details to check
The current page separates fixed administration, a balance-based component, reserve-paid administration costs and option-specific investment costs. Indexed Growth has a different investment cost from Diversified, so quote the actual chosen option.
Comparing investment performance
Compare the same option, dates and account phase. The Indexed Growth and Diversified strategies should be assessed against their own asset mix and objectives.
Features worth considering
An indexed diversified choice alongside active and sector options.
Clear distinctions between limited account advice and broader planning.
THE LEGAL FUND
Fund size in APRA's annual reporting
NGS Super
At 30 June 2025. These are legal-fund totals, which can include several products and more than one account per person.
APRA annual fund-level statistics, June 2025. These older totals can differ substantially after mergers. Size is not a measure of suitability or investment quality.
Sources for NGS Super
Checked 2026-09-11. Documents and product terms can change after this date.