Looking for a MySuper product or super fund you can rely on? This checklist should help you.

1. Fund quality and administration

• Does the fund have a AAA Quality Rating?
• Do you understand how the super fund works and what makes it special? Test yourself by explaining how it works to a friend.
• Who runs the fund, that is, who is behind it? Have you heard of them? What are their credentials? Do you trust they'll be around for a long time? Who do you call if something goes wrong?
• Have you road-tested the fund? Are its annual member statements easy to understand? Do the fund information booklets contain all the information you need?

2. ESG

• Does the fund have a Rainmaker ESG Leader rating?
• If sustainable and ethical investments are important to you, does your fund follow sustainable and ethical investment principles? Does it disclose what it invests in, its diversity practices, support climate change action, declared its position on modern slavery or offer an ESG investment choice? Are you convinced it's genuinely committed to these principles and practices and can prove it?

3. Investment options and performance

• Do you understand the fund's investment menus? How do the investment returns stack up against other funds? Are the investment choices you intend using performing above average, that is, what is their record over the past three, five or even 10 years?

4. Fees

• What TOTAL fees will you pay each year, and what do you get for this? For example, average fund fees are now around 1% but the sharpest priced funds charge less than 0.7%. If you are paying more, what are you getting that's special?

5. Insurance

• Does the fund offer insurance and what types, that is, death only, death and TPD, income protection? What does it cost? Do you trust the fund will look after you if you need to claim?
• If you are thinking of changing MySuper products or funds, is the new insurance deal better than the deal you already have and will you be automatically accepted for cover in the new fund?

6. Additional benefits and services

• Does the fund have a reasonable range of extra features that you will actually use? e.g., does it have online account access, webchat, an app, is the website good enough, does it offer deals on health insurance?