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.
Retail investment platform
Centric is an adviser-led super platform for members who want a portfolio built around selected investments.
Designed for members working with a financial adviser. Confirm the available service and minimum balance with the adviser.
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 | Choose an investment option |
|---|---|---|
| Return basis | MySuper net return after administration costs, $50,000 representative member | Choose an option |
| 3-year return, per year | 9.65% | Choose an option |
| 5-year return, per year | 6.68% | Choose an option |
| 7-year return, per year | 6.99% | Choose an option |
| 10-year return, per year | Not reported | Choose an option |
| APRA strategic growth allocation | 69.06% | Choose an option |
| Reported total fees, net of tax, at $50,000 | $455 a year (0.91%) | Choose an option |
| Administration and advice costs, net of tax (included in total) | $75 a year | Choose an option |
| 2026 performance test | Pass | Choose an option |
| New-member status at reporting date | Check the current product eligibility rules | Check the current product eligibility rules |
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 | Centric Super |
|---|---|---|
| Membership and access | Entry is tied to ADF service. Members who meet the continuous-service rules can keep contributing after leaving Defence. Sources123 | Designed for members working with a financial adviser. Confirm the available service and minimum balance with the adviser. 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 | Centric Super accumulation and retirement accounts. Sources123 |
| Investment choices | MySuper Balanced The four options are MySuper Balanced, Cash, Income Focused and Aggressive. Sources123 | Centric Choice provides a broad investment menu. Centric One centres on multi-asset model portfolios, with consolidated online reporting. 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 | Insurance arrangements should be checked in the current super disclosure and the proposal supplied by your adviser; investment-platform access alone does not establish your cover. Sources123 |
| Comparing investment performance | Compare the selected investment option separately from ADF Cover and any civilian insurance premiums. Sources123 | There is no single Centric return. Compare the actual model or selected holdings after all relevant costs, using a consistent period and risk level. Sources123 |
| Retirement income | This detail has not been verified for this profile. Check the current product documents. | The platform supports transition-to-retirement and pension accounts. Sources123 |
| Advice and support | This detail has not been verified for this profile. Check the current product documents. | Portfolio selection is part of an advised service. Ask for the ongoing advice scope and fee in writing. Sources123 |
| Fee details to check | This detail has not been verified for this profile. Check the current product documents. | Add the platform and account charges, cash-account margin, investment costs, transaction costs and any adviser remuneration. A monthly account fee alone does not describe the whole cost. 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
May suit someone who has a clear reason for using an adviser and wants that adviser to manage investments within super.
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 Centric 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.