Retail super and pension range
OneAnswer (OnePath)
OneAnswer has a current Frontier super and pension range alongside older closed products. Investment choice is central to Frontier, and its current insurance arrangements differ from older descriptions.
THE OVERVIEW
About OneAnswer (OnePath)
OneAnswer Frontier is part of Retirement Portfolio Service, issued by OnePath Custodians. The current PDS identifies the issuer as part of Insignia Financial Group. Older OneAnswer Personal Super, Allocated Pension and Term Allocated Pension accounts have their own documents and should not be assumed to have Frontier's terms.
Who can join
Frontier accepts applications from people receiving its PDS in Australia, including applications submitted by a financial adviser. The usual minimum initial Personal Super investment is $2,000, or $1,000 with a Regular Investment Plan. Older OneAnswer Personal Super and pension products are closed to new members.
THE SUPERGURU VIEW
Our take
OneAnswer is most useful to assess with the account name and investment list already in front of you. Frontier can accommodate an advised portfolio or a simpler index holding, but there is no default allocation to make that decision for you. For an existing member, the practical questions are what the full account costs, how insurance is arranged, and whether an older product has features a transfer would surrender.
Who might put it on their shortlist
- People who want to choose managed investments within a super account, with a clear plan for their asset allocation.
- Existing OneAnswer members comparing their exact legacy or Frontier terms before making a change.
- Eligible members who want a pension offering connected to the Frontier investment range.
What deserves a closer look
- Confirm the full product name. Frontier, older OneAnswer accounts, ANZ Smart Choice and Grow Wrap are not interchangeable.
- A Member Fee waiver affects one charge; it does not establish a zero total cost.
- Direct insurance is not part of the current Frontier offer. Confirm any separate insurance arrangement before moving an existing balance.
- Current product updates can change a fund's name, strategy or availability; a saved investment list may be stale.
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.
Choose an investment option to see the figures
The costs and returns belong to the selected product, option or lifecycle stage.
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 OneAnswer (OnePath)
Accounts and products
OneAnswer Frontier Personal Super and Pension, with separate notes for closed OneAnswer Personal Super and pension accounts. ANZ Smart Choice and Grow Wrap are outside this profile's numerical scope.
OneAnswer Frontier Personal Super
OneAnswer Frontier Pension
OneAnswer Frontier transition-to-retirement pension
Closed OneAnswer Personal Super, Allocated Pension and Term Allocated Pension accounts
Investment choices
Frontier requires the applicant to select investment options. The trustee will not choose one and cannot proceed with an application that lacks a selection. ANZ Smart Choice MySuper figures reported under the same historical legal fund are not OneAnswer defaults.
The range includes diversified and single-sector managed funds, OneAnswer index funds, MultiSeries portfolios combining active and passive investments, and ANZ Term Deposits. Auto-rebalancing and dollar-cost-averaging facilities can help administer a chosen mix, but they cannot be used together and do not apply to term deposits. Check the current investment guide and product notices for closures or strategy changes.
Insurance
The current Additional Information Guide says insurance is not available directly through Frontier Personal Super. A separate risk-only super insurance product may be payable using the Frontier account, with advice about the arrangement. An October 2025 notice removed OneCare Super references from the new-member documents. Existing members should check their actual policy and account, especially where an older OneAnswer product still holds group cover.
Retirement income
Frontier Pension offers an account-based pension and a transition-to-retirement pension. The initial pension minimum is $20,000. Payment choices include monthly, quarterly, half-yearly and annual intervals. An existing Term Allocated Pension is a different product with its own payment and withdrawal restrictions; it should not be treated as an ordinary Frontier pension.
Advice and support
The product is designed to support an investment portfolio chosen with a financial adviser. An Adviser Service Fee is negotiated separately. Ask for the services and their cost in writing, including what happens to the investment strategy if ongoing advice ends.
Fee details to check
The December 2025 fee guide lists a $135.29 annual Member Fee for Personal Super and TTR accounts below the qualifying $50,000 balance, equivalent to $115 after the stated tax benefit. The ordinary pension Member Fee is $115. ANZ Term Deposits and ANZ Cash Advantage have special exclusions, and eligible linked Frontier accounts can request a waiver. A waived Member Fee does not remove investment costs: the selected fund's Ongoing Fee, other investment and transaction costs, any levies or expense recoveries, and advice still need to be included. Some June 2026 APRA externally directed OneAnswer rows contain zero total-cost entries at higher balances that conflict with the fee guide. Those entries should not be interpreted as a free investment account.
Comparing investment performance
Use the exact Frontier investment option, dates and return basis. The legal fund's historical reporting also includes other brands, so its overall result is not a OneAnswer portfolio return. Some options are trustee-directed and receive performance-test results; other externally directed options have no result in the package. An absent test result does not mean a pass or failure.
Only OneAnswer Frontier Personal Super pathways are matched to this profile's APRA table.
June 2026 figures retain Retirement Portfolio Service ABN 61808189263. They must not be relabelled as current ANZ Smart Choice data after a later transfer.
The OneAnswer Investment Portfolio is an investment product outside super and is excluded from this comparison.
Sources7
THE LEGAL FUND
Fund size in APRA's annual reporting
Retirement Portfolio Service
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 OneAnswer (OnePath)
Checked 2026-09-11. Documents and product terms can change after this date.
- OneAnswer Frontier Personal Super and Pension PDS, 5 December 2025
- OneAnswer Frontier Additional Information Guide
- OneAnswer Frontier Personal Super and Pension Fees Guide
- Closed OneAnswer Personal Super and pension products: key features
- OneAnswer insurance disclosure update, 1 October 2025
- Current OneAnswer product updates
- APRA Comprehensive Product Performance Package 2026