2025 AAA Rated Super Products

125 superannuation products have received a AAA Quality Rating from Rainmaker Information in 2025.

The annual assessment reviews all superannuation and retirement products across their performance, fees, insurance, operations and extra benefits.

125 products passed all of the benchmarks to receive the rating, an decrease of 29 products from the 2024 assessment, from 446 open products being available as part of the assessment.

35 superannuation funds have at least one product with a AAA Rating, and there are currently 112 super funds according to Rainmaker Information’s latest Superannuation Benchmarking Report.

The number of funds with at least one AAA rated product dropped from 48 to 35 since the 2024 ratings.

Of the 125 products rated AAA, 50 are workplace products (40%), 35 are personal products (28%) and 40 are retirement products (32%).

The assessment criteria framework as part of the AAA Quality Rating process incorporates the following for superannuation funds and retirement products:

• ‍Investments - including the investment menu, performance and risk-adjusted performance over at least five years as well as investment processes, including mandate selections, use of asset consultants and multi-manager processes.
• ‍Insurance - including the types of insurances offered, premium costs and default coverage and variations by age, occupation, gender and industry.
• ‍Fees - including details of administration fees, investment fees, advice fees and indirect costs.
• ‍Company and operations - including the structure, trustee board and senior management, fund compliance, operations outsourced, size of the fund, complaints history and resolution, administration and investment flexibility, communications with members and more.
• ‍Extra services - including financial planning and advice services, loyalty programs and other value adds for members.

Rainmaker Information conducts research for Money magazine’s Best of the Best Awards. Only funds rated AAA are considered as part of the awards process across various superannuation categories.