Cost of product for 1 year
The cost of product gives a summary calculation about how ongoing annual fees and costs can affect your superannuation investment over a 1-year period.
This assumes a balance of $50,000 at the beginning of the year1.
| Before tax rebate2 | After tax rebate3 | |
|---|---|---|
| $323 | $279 | |
| $563 | $494 | |
| $598 | $524 | |
| $633 | $556 | |
| $678 | $591 | |
| $658 | $562 | |
| $778 | $663 |
1 The cost of product information assumes a balance of $50,000 at the beginning of the year (additional fees such as a buy–sell spread may apply; refer to the Fees and costs summary for the relevant superannuation product or investment option). You should use this figure to help compare superannuation products and investment options.
2 The cost of product for each investment option assumes you hold that investment option only since the amount includes the annual dollar-based administration fee of $68 which applies to your account regardless of your balance. If you hold more than one investment option, this dollar-based fee will be apportioned across your investment options. It will not be charged separately for each investment option.
3 Net cost of product is after a tax rebate relating to certain fees and costs.
How are fees calculated?
This gives an example of how the fees are calculated:.
Annual fees for Balanced on a $50k balance
Before tax rebate:
$193
Admin fees
$68 & 0.25% p.a
+
$415
Investment fees & costs
0.83% p.a
+
$25
Transaction costs
0.05% p.a
=
$633
Total fees & costs
~1.27% of balance
After tax rebate:
$164
Admin fees
$57.8 & 0.21% p.a
+
$367
Investment fees & costs
0.73% p.a
+
$25
Transaction costs
0.05% p.a
=
$556
Total fees & costs
~1.11% of balance
This is an example of the ongoing annual fees and costs for this option over a one-year period. Additional fees and costs may apply. Exit fees do not apply. Read our Super Product Disclosure Statement (PDS) for more details.
- Administration fees cover the administration and operation of the super fund, things like our dedicated in-house call centre and our administration provider. Note that you will not be charged for contacting our call centre.
- Investment fees and costs cover the investment of your money including the thorough ethical research process.
- Transaction costs are associated with the sale and purchase of assets, such as brokerage, these costs aren't paid to us.
What are the fee details?
Below is an overview of the fees and costs that may be charged to your super account with Australian Ethical.
You need to read our Super Product Disclosure Statement for the full list and explanation of fees and costs, as well as examples of how these fees and costs affect your investment and account balance.
Please see the Notices page for details of all historic updates.
Ongoing annual fees and costs4
Administration fees and costs
Administration fees cover the administration and operation of the super fund, things like our dedicated in-house call centre and our administration provider.
Dollar based fees are deducted from your account monthly. Percentage administration fees are paid from the Fund’s assets prior to unit prices being calculated. The percentage administration fee you pay is calculated on your account balance. Net amount is after a tax rebate. See the Additional Information Booklet - Super for more information.
| Amount P.A. | $68 plus 0.25% of your account balance |
|---|
Investment fees and costs
Investment fees and costs cover the investment of your money including the thorough ethical research process.
Investment fees are accrued daily and paid from the Fund’s assets. Fees are calculated as a percentage of the daily net asset value of each option. The investment fee you pay will depend on the investment options you are invested in.
| Investment option | Amount P.A.^~ |
|---|---|
| Defensive | 0.24% |
| Conservative | 0.74% |
| Conservative Balanced | 0.78% |
| Balanced | 0.83% |
| Growth | 0.96% |
| International Shares | 0.93% |
| Australian Shares | 1.15% |
^ Investment fees and costs included indirect costs which were 0.04% for the Defensive option, 0.20% for the Conservative option, 0.19% each for the Balanced and Growth options, 0.00% for the Australian Shares option and 0.04% for the International Shares option for the 12 month period ending 31 December 2025.
~ Investment fees and costs includes an amount of 0.00% for performance fees. The calculation basis for this amount is set out under ‘Additional Information of fees and costs' in section 5 of the Additional Information Booklet.
Net transaction costs
Transaction costs are associated with the sale and purchase of assets, such as brokerage, these costs aren't paid to us.
Transaction costs have been calculated for the 12 months to 31 December 2025.
| Investment option | Amount P.A. |
|---|---|
| Defensive | 0.02% |
| Conservative | 0.00% |
| Conservative Balanced | 0.03% |
| Balanced | 0.05% |
| Growth | 0.01% |
| International Shares | 0.00% |
| Australian Shares | 0.02% |
Member activity related fees and costs
Buy-sell spread**
Applied to the unit price before processing each buy and sell transaction.
| Investment option | Amount per transaction |
|---|---|
| Defensive | 0.00% |
| Conservative | 0.05% |
| Conservative Balanced | 0.05% |
| Balanced | 0.05% |
| Growth | 0.10% |
| International Shares | 0.05% |
| Australian Shares | 0.15% |
**The transaction costs incurred in the year to 31 December 2025 were fully recovered for the Conservative and International Shares options but were not recovered by 0.02% for the Defensive option, 0.05% for the Balanced option, 0.01% for the Growth option and 0.02% for the Australian Shares option.
Switching fee
You may incur a buy-sell spread whenever units are bought or sold including by way of switching. However, you won’t be charged a switching fee in addition to the buy-sell spread.
| Amount P.A. | $0 |
|---|
Other fees and costs
Other fees and costs such as Insurance fees may apply. See ‘Additional explanation of fees and costs’ in Section 5 of the Additional Information Booklet.
4. If your account balance for a product offered by the Fund is less than $6,000 at the end of the Fund’s income year certain fees and costs charged to you in relation to administration and investments are capped at 3% per annum of the account balance. Any amount charged in excess of that cap must be refunded.