澳大利亚行业评估机构Epic退休研究所对45只超级基金进行了2026年度评估，仅8只基金获得退休认证标签1。获得认证的基金为AMP Super、ART-Super Savings、Aware Super、Brighter Super、Colonial First State - FirstChoice、Hostplus、UniSuper和Vision Super1。
认证标准今年有所提升，要求基金需在20项支持标准中至少达成14项，较去年的18项中12项标准更为严格1。获批基金必须无未决监管执法行动，并在数字服务、投诉管理和网络安全方面满足更严格的要求1。这些获得认证的基金在投资表现、费用竞争力、产品创新和成员服务等方面表现突出1。
从澳大利亚退休人口的现状看，单身退休者需要63万澳元，夫妻需要73万澳元才能保证舒适退休1。然而，60至64岁人群的中位数超级基金余额仅为20万澳元以上1，这意味着大多数澳大利亚人的退休储蓄仍存在显著缺口。
Epic Retirement Institute, an Australian industry assessment body, has awarded retirement certification to just eight of 45 superannuation funds evaluated in its 2026 assessment cycle.1 The certified funds—AMP Super, ART-Super Savings, Aware Super, Brighter Super, Colonial First State - FirstChoice, Hostplus, UniSuper, and Vision Super—demonstrated strong performance across investment returns, fee competitiveness, product innovation, and member services.1
To qualify for the retirement tick of approval, funds must meet at least 14 of 20 designated support standards, a more stringent threshold than the previous year's requirement of 12 criteria out of 18.1 All approved funds must have no outstanding regulatory enforcement actions and meet enhanced requirements in digital services, complaint management, and cybersecurity.1 The assessment reflects broader retirement adequacy challenges in Australia, where single retirees require approximately AUD 630,000 and couples need AUD 730,000 to ensure a comfortable retirement.1 Among Australians aged 60-64, median superannuation balances stand at just over AUD 200,000, highlighting a potential gap between typical retirement savings and recommended levels.1
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