Super fund mergers 2025: what you need to know

Super fund mergers are the new normal: here’s why

Australia’s superannuation landscape is rapidly consolidating. Funds are merging to create scale, reduce costs and gain market share. But what does that mean for you as a member?

In 2025, some of the biggest super fund mergers include:

Qantas Super merging with ART
Vision Super in talks for consolidation
Care Super and Mine Super preparing to combine

Mergers are often sold as a good news story. But the reality is more nuanced.

What happens to your super when funds merge?

When your super fund merges, here’s what usually changes:

Fees: You might move to a new fee structure
Investments: Your options may shift, with new default portfolios
Insurance: Cover terms can change or be lost
Transparency: Larger public funds can feel more generic

Super fund merger FAQs

Will I lose my defined benefit?

No. If you’re in a defined benefit scheme, your core entitlements are legally protected during a fund merger. However, administrative processes or how your benefit is managed may change.

Do I need to take action?

Usually no. Members are automatically transferred as part of a merger. But it’s a good idea to review your new fund’s fees, insurance, and investment settings to ensure they still suit your goals.

Can I switch to another fund?

Yes. You’re free to choose another fund, whether retail, industry, or SMSF. If your current fund no longer aligns with your goals after a merger, it may be worth comparing your options.

Compare your options

If you’re not sure about how your super stacks up, we’ve compared

Or learn what makes Stockspot Super different.

If you’re not sure if you want to move with retirement savings, along with your super fund merger, contact the Stockspot team to learn more about how we can help you to grow your superannuation.

Chris Brycki
Founder and CEO

Chris Brycki is the Founder & CEO of Stockspot, Australia’s first and largest digital investment adviser. He founded Stockspot in 2013 with a clear goal. Help everyday Australians invest better using low cost, diversified ETFs. No stock picking. No market timing. No conflicts. Chris has over 25 years of investment experience. He spent much of his early career as a Portfolio Manager at UBS, managing diversified portfolios and gaining first-hand experience inside traditional financial institutions. He has served as a member of the ASIC Digital Advisory Committee and volunteered on the Investment Committee for the NSW Cancer Council. These roles reflect his long-standing interest in improving outcomes for investors and using capital more responsibly. Chris writes about investing, markets, superannuation and the psychology of money. His focus is long term thinking, disciplined behaviour and avoiding the common mistakes that derail investors. He is a regular commentator in Australian media and has been featured in the AFR, SMH, The Australian, ABC and Sky News. He also appears on podcasts, panels and industry events discussing investing, financial literacy and the future of advice. Chris holds a Bachelor of Commerce in Accounting and Finance from the University of New South Wales, where he was a Co-op Scholarship recipient. Topics Chris writes about: Long term investing Asset allocation ETFs Superannuation Behavioural finance Market cycles Wealth building for families Connect with Chris: Linkedin: https://www.linkedin.com/in/brycki/ YouTube: https://www.youtube.com/@chrisbrycki X https://x.com/chrisbrycki Stockspot: https://www.stockspot.com.au/about-us/team/ AFR: https://www.afr.com/by/chris-brycki-p537fv