Alternative Superannuation Structure

There are five main types of super funds in Australia:

  • Public offer funds (also known as ‘retail funds’) – are open to the public and run by financial institutions. They allow a large volume of people and/or companies to operate their super arrangements as a single group.

  • Employer or corporate funds – are open to people working for a particular employer or company and are usually tailored to meet the requirements of the particular company and its employees.

  • Public sector funds – are provided by Government for public sector employees.

  • Industry funds – are open to people working in a particular industry or under a particular industrial award, although some industry funds are 'public offer' and allow anyone to join.

  • Self-Managed Superannuation Funds (SMSFs) – as discussed previously.
 
Superannuation

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