Quick Verdict
LUCRF Super is cheaper at $50k ($406/yr vs $501/yr). LUCRF Super leads on 10-year returns (7.50% vs 7.00%).
Fund Overview
LegalSuper
| Type | Industry |
| Established | 1988 |
| Trustee | LegalSuper Pty Ltd |
| HQ State | VIC |
| Members | 50K |
| Assets (AUM) | $8B |
LUCRF Super
| Type | Industry |
| Established | 1978 |
| Trustee | AustralianSuper Pty Ltd |
| HQ State | VIC |
| Members | 140K |
| Assets (AUM) | $10B |
Fee Comparison
| Fee Component | LegalSuper | LUCRF Super |
|---|
| Admin Fee (flat) | $156 | $91 |
| Admin Fee (%) | 0.18% | 0.10% |
| Investment Fee | 0.45% | 0.48% |
| Indirect Cost Ratio | 0.06% | 0.05% |
| Buy/Sell Spread | 0.08% | 0.10% |
Total Annual Fee by Balance
| Balance | LegalSuper | LUCRF Super |
|---|
| $10,000 | $225 | $154 |
| $25,000 | $328 | $248 |
| $50,000 | $501 | $406 |
| $100,000 | $846 | $721 |
| $250,000 | $1,881 | $1,666 |
| $500,000 | $3,606 | $3,241 |
Performance Comparison
| Period | LegalSuper | LUCRF Super |
|---|
| 1-Year | 10.50% | 10.50% |
| 3-Year | 7.00% | 7.20% |
| 5-Year | 7.00% | 7.00% |
| 7-Year | 7.20% | 7.50% |
| 10-Year | 7.00% | 7.50% |
| FY2024 | 8.00% | 8.00% |
| FY2023 | 9.20% | 9.50% |
| FY2022 | -3.50% | -3.50% |
| FY2021 | 17.50% | 18.50% |
| FY2020 | -0.80% | -1.00% |
| FY2019 | 7.20% | 7.50% |
| FY2018 | 9.00% | 9.20% |
| FY2017 | 11.20% | 11.50% |
| FY2016 | 3.00% | 3.50% |
| FY2015 | 9.20% | 9.50% |
Insurance Comparison
LegalSuper
| Insurer | AIA Australia |
| Death Cover | Yes — opt-out |
| TPD Cover | Yes — opt-out |
| IP Cover | Yes — opt-in |
LUCRF Super
| Insurer | TAL Life Limited |
| Death Cover | Yes — opt-out |
| TPD Cover | Yes — opt-out |
| IP Cover | Yes — opt-in |
Annual Premium Comparison by Age
| Age | LegalSuper | LUCRF Super |
|---|
| 25 | N/A | $145 |
| 30 | N/A | $245 |
| 35 | N/A | $400 |
| 40 | N/A | $615 |
| 45 | N/A | $960 |
| 50 | N/A | $1,480 |
| 55 | N/A | $2,200 |
| 60 | N/A | $3,100 |
APRA Heatmap Ratings
LegalSuper
| Fee Rating | Above median |
| Return Rating | Below median |
| Sustainability | Underperforming |
LUCRF Super
| Fee Rating | Around median |
| Return Rating | Around median |
| Sustainability | Performing |
Investment Options
LegalSuper
| Total Options | 10 |
| Ethical/ESG Option | No |
| Indexed Option | No |
| Direct Investing | No |
LUCRF Super
| Total Options | 6 |
| Ethical/ESG Option | No |
| Indexed Option | No |
| Direct Investing | No |
Member Services
LegalSuper
| App Ratings | iOS 4.0 / Android 3.8 |
| Advice | Not specified |
| AFCA Complaints | 3.6 per 10k members |
| Call Centre | Not specified |
LUCRF Super
| App Ratings | iOS 4.7 / Android 4.5 |
| Advice | Via AustralianSuper |
| AFCA Complaints | 3.6 per 10k members |
| Call Centre | Not specified |
Verdict
On fees, LUCRF Super is the more affordable option. At a $50,000 balance, LUCRF Super costs $406 per year compared to $501 for LegalSuper — a difference of $95 annually. That is a substantial gap that will compound significantly over decades.
Looking at long-term performance, LUCRF Super holds the edge with a 10-year return of 7.50% versus 7.00% for LegalSuper — a gap of 0.50% per annum. While not enormous, that gap adds up over the compounding horizon of a superannuation balance.
On insurance, LegalSuper uses AIA Australia while LUCRF Super is backed by TAL Life Limited. LUCRF Super charges around $615/year for a 40-year-old's default cover. On member satisfaction, LUCRF Super has fewer AFCA complaints at 3.6 per 10,000 members compared to 3.6 for the other.
LegalSuper is best suited for lawyers legal workers, while LUCRF Super targets retail workers. The two funds also serve different industries: LegalSuper focuses on legal, while LUCRF Super targets retail, warehouse. If your employer defaults to one of these funds, that alone may tip the decision.
Important information
The information on SuperFind is general in nature and does not take into account your personal financial situation, needs, or objectives. It is not personal financial advice. Before making any financial decisions about your superannuation, consider whether the information is appropriate for your circumstances and consider seeking advice from a licensed financial adviser. Super fund data including fees and performance returns shown on this site were current as of April 2026 — always verify figures on the fund's website. Past performance is not a reliable indicator of future performance. Data sourced from APRA, ATO, and individual fund disclosures. SuperFind is a
DecisionLab publication.