Suncorp Brighter Super®

The Suncorp Multi-Manager High Growth Fund in Suncorp Brighter Super has delivered investment returns of 10.44% per annum over the last 3 years*.

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Why choose Brighter Super?

For a customised investment strategy, added support, opt for Brighter Super. This is the super choice that gives you the control, flexibility and tailored investment and insurance options to see you through to a comfortable retirement.

Tailor your super

Customise your investment portfolio and insurance cover to suit your preferences.3

Flexible investment options

Enjoy a comprehensive choice of investment options for greater control and flexibility.

Online & mobile access

Manage your super 24/7 by logging into your online account from wherever you are.

What are the fees?

The table below gives a summary of some fees and costs for a Brighter Super account. Not all fees may be included.

Type of fee


How and when paid

Administration fees1, 2

Suncorp Lifestage Fund – personal super:

0.76% pa of your account balance.

Suncorp Cash Fund – 0% pa

All other options – 0.65% pa of your account balance less any applicable administration fee discounts.

The percentage administration fee is calculated on the average value of your account balance for the month. It’s deducted by withdrawing units from your account effective on or around the last day of the month (or earlier, if you leave Brighter Super part way through a month).

You can see the administration fee that applies to you in your online account.

Investment fee1

Ranges from 0.16% pa to 1.35% pa depending on the investment option(s) you’ve chosen.

This fee is included in the daily unit price calculation for each investment option.

Buy-sell spread

Ranges from 0.00% to +/- 0.38% depending on the investment option(s) you choose.

Reflected in the buy and sell unit price of each investment option.

Investment Switching fee


No fees

Note: Other fees and costs may apply to your account.

How has this fund performed?

Suncorp Brighter Super has been a strong investment performer across various lifestage segments. With Brighter Super, you have control over how your super is invested and your financial choices will have a bearing on the long-term performance outcomes of your fund. 

If you don’t want to choose your investment option and just want to leave it to the experts, we will do all the work for you. Our lifestage investment strategy allocates a diversified investment mix based on age and automatically changes your investment mix over time to suit your changing needs and risk appetite. 

This means that when you're younger we put more of your money towards growth investments, like shares and property, then as you get older, we allocate more to income investments, which have lower risk and suit shorter timeframes.

Compare the performance of our investment options


Generally, taking out insurance cover within your super is cost-effective because your insurance fees are deducted from your super account balance. This means you don’t have to dip into your take-home pay, as you would if you arranged insurance cover outside super.

By attaching insurance to your Brighter Super account, you can have your insurance fees conveniently and tax-effectively deducted from your account balance.

Insurance options available to you and your family include:

  • Life cover to a maximum insured amount of $5 million (including a maximum of $3 million for terminal illness cover).
  • Total and permanent disablement (TPD)3 cover to a maximum insured amount of $3 million.
  • Income Protection4 cover:

- Up to 75% of your salary plus optional super contributions of up to 10% of your salary, up to a maximum insured amount of $25,000 per month.

- Two year benefit period or until you reach age 65.

- 30, 60 or 90 day waiting period.

Find and combine your super

It’s quick and easy to find your super. Use our online Search and Combine tool to search the ATO and other super funds and find all of your super accounts. You can then choose which accounts you’d like to consolidate with Suncorp. It’s all done online, no paperwork required, and only takes a few minutes.

Step 1

Login to your online account

Step 2


Under the 'Grow my Super' Tab, select the 'Search & Combine' option, then enter your Tax File Number. By using our tool, you are providing your consent to transfer any ATO held monies to your Suncorp super account found during the search.

Step 3

See your results

Answer your security questions then click 'Submit' to see your results.

Icon-Sun self-service step 4


Choose which other super fund monies you’d like to consolidate and you’re done!

Not a Suncorp super member?

Explore account options and join in a few easy steps. Alternatively, register with myGov to find and manage your super using the ATO’s online services.

Before you consolidate your super, you should check with your other super funds about any exit fees or loss of insurance or other benefits. If you’re unsure about whether consolidating your super is the right thing for you, speak to a financial adviser.

Ready to become a member?

Our friendly team of consultants are here to help.


Open an account online


Call us

Mon-Fri 8am-6pm (AEST)

Things you should know

* 3 year return calculated as at 30 June 2019. Investment performance is calculated net of taxes and fees such as the investment fee, the investment performance fee, the administration fee and applicable indirect costs. However when calculating investment performance we do not take into account contributions taxes, withdrawal fee and any discretionary ongoing fees such as insurance fees and personal advice fees or other arrangements you may have in place with your advisor. Past performance is not a reliable indicator nor is it a guarantee of future performance. Investment returns can be positive or negative depending on how the market is performing.

We receive a tax deduction for expenses related to super investment and administration fees. As a result, the actual super investment and administration fees you pay in Brighter Super will be reduced by up to 15%. The difference in super and pension administration and investment fees is due to the effect of tax deductions we receive for super and pension accounts.

The percentage investment and administration fees have been rounded to two decimal places.

Eligibility criteria apply. Consider the Brighter Super Product Disclosure Statement and Product Guide.

A person must be “gainfully employed” on a “permanent basis” for at least 15 hours per week for TPD and income protection cover.