Accumulation
HESTA Super and HESTA Personal Super give members a strong foundation for their future, backed by a history of long-term investment performance and competitive insurance cover.
Learn about accumulationproducts, performance and fees
Discover HESTA’s product range, performance history, and competitive fees so you can best support your client's retirement goals.
our products
Retirement
Our Retirement Income Stream and Transition to Retirement Income Stream options offer HESTA members real flexibility to help them retire on their terms.
Learn about retirement
Insurance
Members receive default insurance cover with HESTA when they become eligible. Fees are paid out of their super accounts, so they don’t need to dip into their weekly budgets or remember to renew each year.
Learn about insuranceConsider whether this product is appropriate by reading the PDS and TMD at hesta.com.au/pds.
super and TTR performance
The graph below shows our Super and Transition to Retirement (TTR) investment performance based on the net return for each of the different investment options you have to choose from and an initial investment of $1,000.
Investment choices
{count} of {total} selected† Previously named Core Pool. Commenced 1 August 1987 | * Previously named Conservative Pool. Commenced 1 July 1995 | ^ Commenced 1 October 2020 | § Previously named Eco Pool. Commenced 1 February 2000 | ‡ Previously named Shares Plus. Commenced 1 July 1995 | + Previously named Cash; changed to include Term Deposits on 1 Oct 2020. Performance history before 1 October 2020 based on Cash. Commenced 1 July 2001 | Ø Previously named Property; changed to include Infrastructure on 1 Oct 2020. Performance history before 1 October 2020 based on Property. Commenced 1 July 2001 | ± Previously named Global bonds. Commenced 1 July 2001 | # Commenced 1 July 2001
Average annual return to June 30 of selected financial year ranges 1, 3, 5 or 10. Returns are net of investment fees and costs, transaction costs and taxes. Rounding has been applied to the graph to the nearest dollar. Past performance is not a reliable indicator of future performance.
retirement income stream performance
The graph below shows our performance based on net return for the Retirement Income Stream (RIS) investment option selected and an initial investment of $1,000.
Investment choices
{count} of {total} selected† Previously named Balanced. Commenced 12 December 2007 | * Commenced 12 December 2007 | ^ Commenced 1 October 2020 | § Previously named Eco. Commenced 1 July 2012 | ‡ Previously named Active. Commenced 12 December 2007 | + Previously named Cash; Changed to include Term Deposits on 1 Oct 2020. Performance history before 1 October 2020 based on Cash. Commenced 1 July 2008 | Ø Previously named Property; Changed to include Infrastructure on 1 Oct 2020. Performance history before 1 October 2020 based on Property. Commenced 12 December 2007 | ± Commenced 1 October 2020 | # Commenced 1 July 2008
Average annual return to June 30 of selected financial year ranges 1, 3, 5 or 10. Returns are net of investment fees and costs, transaction costs and taxes. Rounding has been applied to the graph to the nearest dollar. Past performance is not a reliable indicator of future performance.
competitive fees and costs#
Administration fees and costs
$52
per annum
plus 0.15% p.a. of your account balance (subject to fee cap), plus 0.05% p.a. paid from fund assets ^
Investment fees and costs and transaction costs
0.58%
per year
for Balanced Growth (default). Other investment options 0.03% - 0.94% p.a.
# Fees disclosed refer to HESTA super products. Additional fees and costs may apply. Fees and costs are indicative only and are based on costs for the year ended 30 September 2025, including several components which are estimates. The actual amount you will be charged in subsequent financial years will depend on the actual costs incurred in those years. Past costs may not necessarily be an indicator of future costs.
^ The percentage-based administration fees and costs are not charged on any amount of your account balance in excess of $500,000. The amount shown is an estimate of the costs charged for the 12 months to 30 June 2025.
best net benefit outcomes for members
The SuperRatings Net Benefit award 2026 recognises HESTA as the Australian super fund with the best net benefit outcomes
delivered to members over the short and long term.^
* The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 (SuperRatings) a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, AFSL No. 421445. The rating is based on the six key assessment areas, of which performance is only one. Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings use proprietary criteria to determine awards and ratings and may receive a fee for the use of its ratings and awards. Visit superratings.com.au for ratings information. © 2026 SuperRatings. All rights reserved.
It's not all about numbers
We also invest in and for people who make our world better.