LGIA Super

What LGIA Super does

Brighter Super, trading as LGIA Super, is an Australian member-owned superannuation fund headquartered in Brisbane, Queensland, operating as a trust under Brighter Super Trustee (AFS Licence No. 230511). Founded in 1964 to serve Queensland local government employees, the fund was rebranded from LGIA Super to Brighter Super in 2021 to broaden its addressable market while retaining its Queensland-focused identity. The fund offers a full superannuation product suite spanning accumulation accounts, transition-to-retirement accounts, account-based pensions, a legacy defined benefit scheme, and the regulatory MySuper default option, alongside seven named investment options ranging from Growth to Secure.

The fund's technology platform is a conventional superannuation management stack consisting of a Member Online portal (memberonline.brightersuper.com.au), a Brighter Super mobile application, an employer clearing house integrated with Westpac's QuickSuper, SuperEase, and EmployerPay, and an adviser portal. Supporting tools include salary sacrifice, insurance needs, retirement income, and retirement age calculators. The fund's commercial model is subscription-recurring: it earns administration and investment management fees levied on member funds under management across accumulation, transition-to-retirement, and pension accounts, supplemented by insurance premiums (income protection, death and terminal illness, TPD) and financial advice revenue.

Go-to-market combines direct-to-consumer digital self-service (online join, mobile app, Super Health Checks via phone/video/in-person) with B2B2C distribution through Queensland local government employers via clearing house integrations, and a financial adviser network with dedicated business development support. The fund's $500 million Queensland Investment Strategy, 18 consecutive years of SuperRatings Platinum ratings, David Koch advocacy partnership, and 2026 industry awards across Chant West, Super Review, Canstar, and Money magazine are the primary commercial differentiators.

Name

LGIA Super

Legal name

Brighter Super Trustee (ABN 94 085 088 484 AFS Licence No. 230511) as trustee for Brighter Super (ABN 23 053 121 564)

Website

https://lgiasuper.com.au

Company type

Private

Founded year

1964

Operating status

Operating

Headcount range

51–100 employees

Short description

Brighter Super (formerly LGIA Super) is a Brisbane-based, member-owned Australian superannuation fund originally established in 1964 for Queensland local government employees, offering accumulation, pension, MySuper, and defined benefit products with insurance, financial advice, and a Queensland-focused investment strategy.

Ownership category

akta.pro rank

Product category

Superannuation and Retirement Savings

NAICS

Pension Funds (525110), Pension Funds (52511), Insurance and Employee Benefit Funds (5251)

SIC

Investment Advice (6282)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

akta.pro secondary industries

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Retirement Benefits & Social Security/Medicare Planning (FSAEABAI)

Keywords

• Superannuation fund
• Retirement savings
• Pension accounts
• Investment options
• Financial advice services

Headquarters

HQ city

Brisbane

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Member Management Fees: Superannuation fund generates revenue through management fees charged to member accounts, including accumulation accounts, transition to retirement accounts, and pension accounts. Revenue is based on funds under management (FUM).

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

LGIA Super (operating as Brighter Super) is a member-owned industry superannuation fund that provides retirement savings products and pension accounts to Queensland local government employees and other members. The fund offers accumulation, transition-to-retirement, pension, and defined benefit accounts, multiple investment options (MySuper through Secure), insurance cover (income protection, death/TPD), financial advice services, and digital self-service via an online portal and mobile app. Revenue is generated through administration, investment, and insurance fees on funds under management, distributed directly to members and via employers and registered financial advisers.

Product overview

Brighter Super is a single unified superannuation fund offering a comprehensive suite of retirement savings and pension products. The fund provides core superannuation accounts (Accumulation, Transition to Retirement, and Pension accounts), plus a Defined Benefit scheme. Members can access investment options ranging from aggressive (Growth) to conservative (Secure), insurance coverage (income protection, death, and TPD), financial advice services, and digital tools including a mobile app and Member Online portal. The product portfolio centers on the MySuper default option alongside seven named investment options (Growth, Balanced, Conservative Balanced, Indexed Balanced, Stable, Secure), with additional services including super consolidation, calculators, seminars, and a financial adviser network.

Differentiator

Problem solved

Functional benefit

Products and services

• Accumulation Account Primary superannuation account for building retirement savings through employer contributions, personal contributions, and salary sacrifice, invested in member-selected investment options.
• Transition to Retirement Account
• Pension Account
• Defined Benefit Scheme Legacy defined benefit arrangement providing guaranteed benefit payments based on a formula rather than account balance, subject to specific eligibility criteria.
• MySuper
• Investment Options (Growth, Balanced, Conservative Balanced, Indexed Balanced, Stable, Secure)
• Insurance Cover (Income Protection, Death and Terminal Illness, Total and Permanent Disablement)
• Financial Advice Services
• Super Health Check
• Superannuation Clearing House
• First Home Super Saver Scheme
• KiwiSaver Transfer Service

Quantifiable outcome

• 18 consecutive years of SuperRatings Platinum ratings (highest possible) for Accumulation and Pension categories
• +6 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core, flagship and minor.

• Westpac (QuickSuper)coreTechnology or Integration
• SuperEasecoreTechnology or Integration
• David Koch (Kochie)flagshipGTM or Marketing Partner
• KiwiSaverminorStrategic or Co-development Partner

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Australian Retirement Trust: One of Australia's largest industry super funds formed via the QSuper/Sunsuper merger, serving public sector and broad employee base across Queensland and nationally. Direct competitor in accumulation, pension, and adviser channels with a similar multi-option investment menu.
• UniSuper: Industry super fund focused on the higher education and research sector with accumulation, pension, and defined benefit divisions. Comparable in its sector-anchored membership model, award-rated performance, and broad investment menu.
• Cbus: Industry super fund for the construction industry offering accumulation, pension, TTR, and insurance. Comparable as a sector-anchored industry fund with strong member-education focus and multi-channel distribution including advisers.
• HESTA: Industry super fund for health and community services workers offering accumulation, pension, and advice services. Comparable as a sector-specific industry fund with a strong impact-investing narrative similar to Brighter Super's Queensland investment strategy.
• Hostplus: Industry super fund for hospitality, tourism, sport, and recreation, with accumulation, pension, and a strong adviser-led distribution model. Comparable multi-channel GTM and multi-option investment menu targeting a defined sector membership.
• REST (Retail Employees Superannuation Trust): Industry super fund serving retail and fast-moving consumer goods workers, with accumulation, pension, TTR, and insurance products distributed via employers and advisers. Comparable in scale, multi-channel distribution, and lifecycle product set.
• Spirit Super: Industry super fund formed from the merger of Queensland-based suns and similar funds, serving a comparable Queensland/state-sector membership. Most directly comparable peer given shared Queensland roots, sector-anchored membership, and similar scale band.
• CareSuper: Industry super fund serving professionals in health, education, and community services with accumulation, pension, and advice services. Comparable mid-size fund profile, multi-option menu, and adviser-driven distribution.
• NGS Super: Industry super fund focused on non-government education and community-sector employees, offering accumulation, pension, and advice. Comparable mid-size, sector-anchored industry fund with multi-channel distribution.

Broad incumbents

• AustralianSuper: Largest Australian super fund by FUM, serving a broad cross-sector membership with accumulation, pension, and advice services. Sets the competitive benchmark on scale, fees, and product breadth that mid-size funds like Brighter Super are benchmarked against.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/lgiasuper

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about LGIA Super