Super vs Retail

If our clients held the same recommended level of cover inside their super fund, it would cost an average of $4,080 a year, vs $2,664 for the retail policy we recommend

$4,080Avg super premium / yr
$2,664Avg retail premium / yr
$1,416Saved per year
Fund breakdown

Where our clients were switching from

AMP Super
3 clients
Super$2,598/yr
Retail (recommended)$1,143/yr
$1,455 less per year with Skye
AMP Super costs 127% more
ANZ Smart Choice Super
6 clients
Super$2,390/yr
Retail (recommended)$2,210/yr
$180 less per year with Skye
ANZ Smart Choice Super costs 8% more
Super product score35
Retail product score82
+47 product score
Australian Ethical
2 clients
Super$805/yr
Retail (recommended)$1,362/yr
+$557 more per year
Australian Ethical costs 41% less
Super product score44
Retail product score88
+44 product score
Australian Retirement Trust
68 clients
Super$4,837/yr
Retail (recommended)$2,690/yr
$2,147 less per year with Skye
Australian Retirement Trust costs 80% more
Super product score42
Retail product score82
+40 product score
Australian Super
101 clients
Super$6,115/yr
Retail (recommended)$3,184/yr
$2,931 less per year with Skye
Australian Super costs 92% more
Super product score46
Retail product score83
+38 product score
Aware Super
39 clients
Super$3,340/yr
Retail (recommended)$3,030/yr
$310 less per year with Skye
Aware Super costs 10% more
Super product score48
Retail product score81
+33 product score
Brighter Super
5 clients
Super$2,150/yr
Retail (recommended)$1,341/yr
$809 less per year with Skye
Brighter Super costs 60% more
Super product score32
Retail product score79
+47 product score
Care Super
6 clients
Super$9,682/yr
Retail (recommended)$6,741/yr
$2,941 less per year with Skye
Care Super costs 44% more
Super product score38
Retail product score81
+43 product score
Catholic Super
3 clients
Super$3,258/yr
Retail (recommended)$2,177/yr
$1,081 less per year with Skye
Catholic Super costs 50% more
Super product score42
Retail product score85
+43 product score
CBUS
15 clients
Super$5,207/yr
Retail (recommended)$3,302/yr
$1,905 less per year with Skye
CBUS costs 58% more
Super product score36
Retail product score82
+46 product score
Colonial First State
11 clients
Super$2,506/yr
Retail (recommended)$1,980/yr
$526 less per year with Skye
Colonial First State costs 27% more
Super product score38
Retail product score80
+43 product score
Commonwealth Superannuation Corporation
2 clients
Super$2,584/yr
Retail (recommended)$1,529/yr
$1,055 less per year with Skye
Commonwealth Superannuation Corporation costs 69% more
Super product score29
Retail product score80
+51 product score
Equipsuper
1 client
Super$2,027/yr
Retail (recommended)$2,387/yr
+$360 more per year
Equipsuper costs 15% less
Super product score42
Retail product score86
+44 product score
Essential Super
1 client
Super$870/yr
Retail (recommended)$995/yr
+$125 more per year
Essential Super costs 13% less
Super product score40
Retail product score80
+40 product score
ESSSuper
1 client
Super$3,926/yr
Retail (recommended)$1,088/yr
$2,838 less per year with Skye
ESSSuper costs 261% more
Super product score32
Retail product score79
+47 product score
First Super
2 clients
Super$4,645/yr
Retail (recommended)$1,408/yr
$3,237 less per year with Skye
First Super costs 230% more
Super product score24
Retail product score77
+53 product score
Future Super
1 client
Super$745/yr
Retail (recommended)$691/yr
$54 less per year with Skye
Future Super costs 8% more
GESB
10 clients
Super$1,452/yr
Retail (recommended)$1,285/yr
$167 less per year with Skye
GESB costs 13% more
Super product score33
Retail product score81
+48 product score
HESTA
40 clients
Super$3,012/yr
Retail (recommended)$1,884/yr
$1,128 less per year with Skye
HESTA costs 60% more
Super product score38
Retail product score82
+43 product score
Hostplus
106 clients
Super$3,389/yr
Retail (recommended)$2,578/yr
$811 less per year with Skye
Hostplus costs 31% more
Super product score43
Retail product score83
+40 product score
IOOF
3 clients
Super$4,865/yr
Retail (recommended)$3,229/yr
$1,636 less per year with Skye
IOOF costs 51% more
Super product score49
Retail product score83
+34 product score
Media Super
1 client
Super$2,292/yr
Retail (recommended)$2,852/yr
+$560 more per year
Media Super costs 20% less
Mercer
14 clients
Super$5,646/yr
Retail (recommended)$3,106/yr
$2,540 less per year with Skye
Mercer costs 82% more
Super product score44
Retail product score78
+34 product score
Netwealth
3 clients
Super$2,389/yr
Retail (recommended)$2,212/yr
$177 less per year with Skye
Netwealth costs 8% more
Super product score45
Retail product score88
+43 product score
NGS Super
5 clients
Super$2,275/yr
Retail (recommended)$2,918/yr
+$643 more per year
NGS Super costs 22% less
Super product score45
Retail product score80
+35 product score
Plum Super
5 clients
Super$4,124/yr
Retail (recommended)$2,709/yr
$1,415 less per year with Skye
Plum Super costs 52% more
Super product score38
Retail product score82
+44 product score
Prime Super
3 clients
Super$4,572/yr
Retail (recommended)$2,370/yr
$2,202 less per year with Skye
Prime Super costs 93% more
Super product score32
Retail product score78
+46 product score
PSSAP
6 clients
Super$4,128/yr
Retail (recommended)$1,732/yr
$2,396 less per year with Skye
PSSAP costs 138% more
Super product score29
Retail product score82
+53 product score
QSuper
28 clients
Super$7,078/yr
Retail (recommended)$2,997/yr
$4,081 less per year with Skye
QSuper costs 136% more
Super product score37
Retail product score84
+47 product score
REI Super
1 client
Super$3,642/yr
Retail (recommended)$1,777/yr
$1,865 less per year with Skye
REI Super costs 105% more
Super product score35
Retail product score85
+50 product score
Rest
35 clients
Super$3,026/yr
Retail (recommended)$2,160/yr
$866 less per year with Skye
Rest costs 40% more
Super product score40
Retail product score81
+41 product score
Russell Investments
1 client
Super$2,484/yr
Retail (recommended)$2,374/yr
$110 less per year with Skye
Russell Investments costs 5% more
Super product score36
Retail product score82
+46 product score
smartMonday
2 clients
Super$14,630/yr
Retail (recommended)$7,796/yr
$6,834 less per year with Skye
smartMonday costs 88% more
Super product score35
Retail product score83
+48 product score
Super SA
10 clients
Super$1,157/yr
Retail (recommended)$1,443/yr
+$286 more per year
Super SA costs 20% less
Super product score23
Retail product score81
+58 product score
Team Super
4 clients
Super$7,544/yr
Retail (recommended)$4,170/yr
$3,374 less per year with Skye
Team Super costs 81% more
Super product score37
Retail product score83
+46 product score
UniSuper
35 clients
Super$3,542/yr
Retail (recommended)$2,032/yr
$1,510 less per year with Skye
UniSuper costs 74% more
Super product score46
Retail product score85
+39 product score
Vanguard Super
4 clients
Super$2,247/yr
Retail (recommended)$1,913/yr
$334 less per year with Skye
Vanguard Super costs 17% more
Super product score34
Retail product score84
+50 product score
Verve Super
1 client
Super$328/yr
Retail (recommended)$250/yr
$78 less per year with Skye
Verve Super costs 31% more
Super product score27
Retail product score88
+61 product score
Vision Super
7 clients
Super$2,130/yr
Retail (recommended)$1,600/yr
$530 less per year with Skye
Vision Super costs 33% more
Super product score38
Retail product score84
+46 product score

Based on audited like-for-like comparisons across 591 Skye Wealth client policies between 10/01/26 and 05/10/26. Individual savings vary based on cover type, sum insured, age, occupation, and health status. Past results do not guarantee future outcomes. This is general information only and is not personal financial advice.

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