Prime Time with Bec Wilson How to make sure your super fund is working for YOU
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Dec 3, 2025 Ian Fryer, general manager at Chant West and expert in superannuation, shares valuable insights on assessing super fund performance. He explains the importance of analyzing long-term returns rather than short-term gains and highlights the various types of fees members should understand. Ian also discusses tailored retirement options and the need for education within super funds. Additionally, he dives into lifetime income products and practical advice options available to fund members to ensure they make informed retirement decisions.
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Judge Funds By Long-Term Returns
- Check long-term returns (7–10 years) rather than one-year performance spikes when assessing funds.
- Use long-run outperformance to judge skill rather than short-term luck, advises Ian Fryer.
Benchmark Administration Fees
- Compare administration fees for your balance level instead of raw totals; use $250,000 as a benchmark.
- Aim for administration fees around $500–$550 on a $250k balance and question higher charges.
Focus On Net Returns, Not Lowest Fees
- Lower investment fees aren't always best if they reduce returns; focus on net returns after fees.
- Prioritise better investment returns after fees over chasing the lowest fee figure.
