Does MySuper authorisation for default super products apply to superannuation trustees?
A computed answer from the Rules Mate applicability engine, with the exact condition, the outcome for every structure and size, and the primary source.
Short answer: Yes
Yes. This obligation applies to superannuation trustees whatever their structure or size. The deciding fact: Industry: Superannuation trustees.
The obligation in brief
MySuper authorisation for default super products. Under the Stronger Super reforms, default superannuation contributions (where an employee has not chosen a fund) must be paid to a MySuper-authorised product. Trustees offering MySuper products must hold APRA authorisation, meet member-outcome assessment requirements, and pass annual performance testing.
Trigger: Offering a default investment option.
Why superannuation trustees get a different answer
Rules Mate runs its applicability engine across 9 business structures and 6 size bands for each of the 35 industries it maps. For 34 of those industries the answer for "MySuper authorisation for default super products" is no. Superannuation trustees is one of the 1 where the answer is different: yes.
The deciding fact for superannuation trustees: Industry: Superannuation trustees.
About the industry: Trustees of APRA-regulated super funds.
Compare a professional services (general) business with 6–19 employees structured as a Pty Ltd company: the obligation does not apply (Requires industry: Superannuation trustees).
Answer by business structure and size
Each cell is the engine's outcome for a business in superannuation trustees with that structure and size, assuming it sells to consumers and small businesses and holds customer contact details. "Check" means the obligation turns on a fact the industry does not settle.
| Structure | No employees | 1–5 employees | 6–19 employees | 20–99 employees | 100–499 employees | 500+ employees |
|---|---|---|---|---|---|---|
| Sole trader | Yes | Yes | Yes | Yes | Yes | Yes |
| Partnership | Yes | Yes | Yes | Yes | Yes | Yes |
| Trust | Yes | Yes | Yes | Yes | Yes | Yes |
| Pty Ltd company | Yes | Yes | Yes | Yes | Yes | Yes |
| Public company | Yes | Yes | Yes | Yes | Yes | Yes |
| Not-for-profit (unregistered) | Yes | Yes | Yes | Yes | Yes | Yes |
| Registered charity | Yes | Yes | Yes | Yes | Yes | Yes |
| Super fund | Yes | Yes | Yes | Yes | Yes | Yes |
| Foreign company | Yes | Yes | Yes | Yes | Yes | Yes |
What the obligation requires
- When due
- Continuous; annual performance test; member-outcome assessment.
- Evidence to keep
- MySuper authorisation, performance test results, member-outcome assessment record.
- Maximum penalty
- APRA can require name-and-shame, prohibit new members, withdraw authorisation
- Regulator
- APRA
- Jurisdiction
- Commonwealth (national)
Other obligations where superannuation trustees differ from the norm
- Annual YFYS performance test (MySuper + Choice): Yes
- Comply with SIS Act trustee covenants: Yes
- Lodge an annual SMSF audit before lodging the SMSF Annual Return: No
- Maintain SMSF compliance with the sole purpose test (s 62): No
- Stronger Member Outcomes — APRA SPS 515: Yes
- Comply with SPS 530 (Investment Governance) for APRA-regulated super funds: Yes
- All 15 answers for superannuation trustees
Questions
- Does MySuper authorisation for default super products apply to superannuation trustees?
- Yes. This obligation applies to superannuation trustees whatever their structure or size. The deciding fact: Industry: Superannuation trustees.
- Is the answer the same for every industry?
- No. For 34 of the 35 industries Rules Mate maps, the answer is no. Superannuation trustees is one of 1 industries with a different answer.
Related
Sources
Computed by the Rules Mate applicability engine from the published obligation corpus; facts last checked 3 October 2026. Rules Mate is not a law firm and this is general information, not legal advice. Confirm your position with the regulator source or a qualified adviser before acting.