Accumulation 1

Matthew Guy, University of Melbourne

Your Accumulation 1 account makes super simple. It’s easy to manage and you can keep it throughout your working life, even if you leave the higher education sector.

Key features

  • Choose from 16 investment options, including high growth and sustainable investments.
  • Includes default Death and Total and Permanent Disablement (TPD) cover. You can apply for extra cover (including income protection) or opt out of all cover.
  • Manage your super online.
  • Make extra contributions to boost your super savings.
  • Plenty of calculators and tools on hand to help you manage and grow your money.

Keen to know more? Read the product disclosure statement (PDF, 969KB).

Benefits of Accumulation 1

Investment performance & choice

investment performance

We have a history of strong long-term investment performance and have regularly achieved returns that exceed industry benchmarks and averages*.

Low fees

low fees

Our Accumulation 1 fees are ranked in the lowest 10% of all funds^. See what's included in your fees.

Insurance options


Protect you and your loved ones with insurance cover through your super. Because we insure a lot of members at once, we’re able to negotiate premiums at bulk rates. You also have the option of applying for additional cover.

Exclusively for you


We're proud to be a profit-for-members fund. We don't pay our advisers commissions, and we don't pay shareholders dividends.

We're here to help

If you have any questions about the Accumulation 1 product, call us on 1800 331 685 or email us.

You can also book an appointment with a UniSuper expert on your campus to find out how to make the most of your Accumulation 1 account. Make an appointment.

* Past performance is not an indicator of future performance.

^ Chant West March 2019 Super Fee Survey for growth options (61-80% growth assets). In the MySuper Default category UniSuper’s Accumulation 1 (MySuper) Balanced investment option ranked 7th and 5th for balances of $25,000 and 50,000 respectively. Chant West consented to the inclusion of the references to Chant West in the context in which they are included. Chant West's report noted the difficulty in making accurate comparisons between funds due to the different ways the funds report fees and costs. In preparing the survey Chant West made some adjustments to published data to promote comparability. The Fees Survey uses the fees and costs disclosed on each fund’s fee template, but excludes fees and costs from “Additional Explanation of Fees and Costs” such as borrowing costs, implicit transaction costs and property operating costs, as well as transaction fees, contribution fees and adviser commissions. Administration fees include fixed dollar member fees, percentage-based administration fees, percentage-based Trustee operating costs, and percentage-based expense recoveries.