Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Restricted public sector fund
ADF Super holds retirement savings for eligible current and former Australian Defence Force members.
Entry is tied to ADF service. Members who meet the continuous-service rules can keep contributing after leaving Defence.
Industry fund
Australian Food Super is the current name of AMIST Super. It has meat-industry roots and is now open to everyone.
Anyone can join, subject to product rules. People can remain members when they leave the meat industry.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
| Measure | ADF MySuper | MySuper |
|---|---|---|
| Return basis | MySuper net return after administration costs, $50,000 representative member | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | 9.65% | 6.77% |
| 5-year return, per year | 6.68% | 6.02% |
| 7-year return, per year | 6.99% | 6.52% |
| 10-year return, per year | Not reported | 7.14% |
| APRA strategic growth allocation | 69.06% | 68.25% |
| Reported total fees, net of tax, at $50,000 | $455 a year (0.91%) | $440 a year (0.88%) |
| Administration and advice costs, net of tax (included in total) | $75 a year | $125 a year |
| 2026 performance test | Pass | Pass |
| New-member status at reporting date | Check the current product eligibility rules | Check the current product eligibility rules |
At $50,000, the reported annual total-cost difference is $15. Australian Food Super's selected reporting pathway has the lower reported cost on this measure. The figures cover the year to June 2026; current prices, insurance and separately charged advice can change the comparison.
The growth allocations are 69.06% and 68.25%. A return gap can reflect different exposure to growth assets, and similar headline allocations can still contain different investments.
A performance-test pass is a benchmark result for the tested product or pathway. It is not an endorsement or a guarantee of future performance.
Source: APRA Comprehensive Product Performance Package 2026, published 28 August 2026. Fees reflect the reporting year to 30 June 2026, are net of tax, use standard arrangements and exclude member-activity fees. Dollar figures are rounded. They are not a current quote. Check the latest PDS for changes, insurance premiums and any separately charged advice.
Returns are annualised historical results. Different return bases, risk levels and periods cannot be treated as interchangeable. MySuper net returns use a $50,000 representative balance even when you change the fee balance. A lifecycle stage return does not track a person moving between stages. Missing figures mean not reported, not zero. Past returns do not predict future returns. Read our method and APRA's definitions.
| What to compare | ADF Super | Australian Food Super |
|---|---|---|
| Membership and access | Entry is tied to ADF service. Members who meet the continuous-service rules can keep contributing after leaving Defence. Sources123 | Anyone can join, subject to product rules. People can remain members when they leave the meat industry. Sources123 |
| Accounts and products | Accumulation super for eligible Defence personnel; ADF Cover is a separate death and invalidity arrangement. ADF Super ADF Cover lifePLUS Protect after service Sources123 | Superannuation and pension products. Sources123 |
| Investment choices | MySuper Balanced The four options are MySuper Balanced, Cash, Income Focused and Aggressive. Sources123 | The fund has MySuper and Choice investments. Pension members can access the Choice menu but not the MySuper option. Sources123 |
| Insurance | Eligible serving personnel receive ADF Cover death and invalidity benefits at no extra cost. Eligible former members may obtain lifePLUS Protect, including automatic death and TPD cover or cover applied for separately. Sources123 | Members can opt in to life, TPD and income protection cover. Check eligibility and the current insurer documents, especially for manual work or changing employment. Sources123 |
| Comparing investment performance | Compare the selected investment option separately from ADF Cover and any civilian insurance premiums. Sources123 | Compare the published MySuper or Choice option over identical dates and distinguish pension from accumulation results. Sources123 |
| Retirement income | This detail has not been verified for this profile. Check the current product documents. | Australian Food Super Pension provides an account-based income product. Compare its fee and investment documents separately from accumulation super. Sources123 |
| Advice and support | This detail has not been verified for this profile. Check the current product documents. | The fund has engaged Retire360 to provide advice. Confirm which assistance is included and what a more detailed personal plan costs. Sources123 |
| Fee details to check | This detail has not been verified for this profile. Check the current product documents. | Use the current product disclosure and member guide for the option and account type. Include insurance premiums in a personal comparison. Sources123 |
THE SUPERGURU VIEW
A useful comparison for Defence members starts with service status. The retirement account, serving-member cover and insurance after discharge have different rules. Treating them as one ordinary retail insurance package can obscure what changes when you leave.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
Worth comparing for food-industry workers who want to investigate occupation-specific insurance and a conventional super-and-pension offering.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
Use the membership rules to establish which accounts are available to you. Then compare the total price of the investment option and cover you need. A lower fee or higher historical return alone does not tell you which fund is suitable.
Ask both funds to confirm insurance acceptance, exclusions, waiting periods and whether cover would change when you leave your employer. Obtain advice before giving up a defined benefit or an insurance policy you may not be able to replace. ASIC Moneysmart explains the comparison checks.
Read the full ADF Super profile · Read the full Australian Food Super profile · Choose another comparison
Checked 2026-09-11. Documents and product terms can change after this date.
Checked 2026-09-11. Documents and product terms can change after this date.