Fly-in fly-out (FIFO) workers earn some of the highest wages in Australia, which means super contributions are substantial and the right fund choice can make a significant financial difference. FIFO workers in mining, oil & gas, and construction typically accumulate large balances quickly, making percentage-based fees a critical consideration.
The best super fund for FIFO workers should offer competitive fees on larger balances ($100k-$500k+), strong TPD and income protection insurance that covers remote and hazardous work, and excellent long-term performance. Mine Super and Cbus are two funds with strong track records in serving FIFO workers, though larger general funds may offer lower total fees.
Top 5 Super Funds for FIFO Workers
Ranked at a typical balance of $140,000. Data current as of April 2026.
7.50% annualised return over 10 years. total fees of $1,098/year (0.78% of balance) at $140,000. 0.06M members. $13B in assets under management. sector alignment: fifo-workers, miners-energy-workers.
- Specialist mining and energy fund — understands FIFO and shift work
- Insurance designed for mining occupations and hazardous work
- Strong infrastructure allocation benefiting from mining-adjacent assets
8.40% annualised return over 10 years. total fees of $960/year (0.69% of balance) at $140,000. 0.9M members. $85B in assets under management. sector alignment: fifo-workers, construction-workers.
- Strong 8.4% 10-year return with notably low COVID volatility (+0.2% in FY2020)
- Heavy property and infrastructure allocation benefits from construction industry expertise
- High default insurance cover ideal for manual workers
7.80% annualised return over 10 years. total fees of $1,086/year (0.78% of balance) at $140,000. 0.1M members. $35B in assets under management. sector alignment: miners-energy-workers, energy.
- Long heritage — established 1931, one of Australia's oldest funds
- Strong in infrastructure and property allocation
- Defined benefit products still available for eligible members
7.50% annualised return over 10 years. total fees of $1,058/year (0.76% of balance) at $140,000. 0.34M members. $28B in assets under management. sector alignment: construction-workers, construction.
- Strong presence in Tasmania with local member centres
- Formed from MTAA Super (transport) + Tasplan — broad industry coverage
- Physical branches for face-to-face service
7.50% annualised return over 10 years. total fees of $1,086/year (0.78% of balance) at $140,000. 0.12M members. $18B in assets under management. sector alignment: miners-energy-workers, energy.
- Strong Queensland presence with local offices
- Heritage in local government and energy sectors
- Face-to-face advice available
Fee Comparison at $140,000
How the top 5 funds compare on total annual fees at a $140,000 balance:
| # | Fund | Admin Fee | Inv. Fee | Total $/yr | Total % |
|---|---|---|---|---|---|
| 1 | Mine Super | $104 | 0.50% | $1,098 | 0.78% |
| 2 | Cbus | $78 | 0.58% | $960 | 0.69% |
| 3 | Equip Super | $78 | 0.50% | $1,086 | 0.78% |
| 4 | Spirit Super | $78 | 0.50% | $1,058 | 0.76% |
| 5 | Brighter Super | $78 | 0.48% | $1,086 | 0.78% |
Use our comparison calculator to see how these funds stack up at your actual balance and contribution level over 10, 20 or 30 years.
How We Ranked These Funds
Our ranking considers multiple factors relevant to fifo workers:
- Fees: Total annual cost (admin fee + investment fee + indirect costs) at a $140,000 balance
- Performance: 10-year and 5-year annualised returns on the default MySuper option
- Sector alignment: Whether the fund has specific expertise or tailoring for this segment
- APRA heatmap: The fund's fee and return ratings on APRA's MySuper Product Heatmap
- Fund size and stability: Total assets under management and member numbers
No fund pays for placement. Rankings are based on publicly available data from APRA, ATO, and individual fund disclosures.
Read Full Reviews
- Mine Super Review
The super fund for Australia's mining and energy sector workers.
- Cbus Review
The super fund for construction, building, and allied industries.
- Equip Super Review
Industry fund serving members across a range of industries including energy, rail, and government.
- Spirit Super Review
Tasmania's largest industry super fund, also serving members nationally.
- Brighter Super Review
Queensland-based industry fund formed from the merger of LGIAsuper and Energy Super.