Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Restricted corporate fund
ANZ Staff Super is an accumulation fund for eligible ANZ employees and the partners of existing members.
Current permanent and fixed-term ANZ employees can join, as can partners of current members. Existing members can generally stay after leaving ANZ. A former employee who never joined cannot assume they can enter later.
Retail fund brand
Child Care Super keeps its brand through the September 2026 move into Smart Future Trust. The transfer changes investments and fees while preserving existing insurance cover and policy terms.
Check the current joining rules and transfer documents. Existing members remain Child Care Super members after the move.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
| Measure | ANZ Staff 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 | 9.43% | Choose an option |
| 5-year return, per year | 6.25% | Choose an option |
| 7-year return, per year | 6.66% | Choose an option |
| 10-year return, per year | 7.39% | Choose an option |
| APRA strategic growth allocation | 70.75% | Choose an option |
| Reported total fees, net of tax, at $50,000 | $315 a year (0.63%) | Choose an option |
| Administration and advice costs, net of tax (included in total) | $80 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 | ANZ Staff Super | Child Care Super |
|---|---|---|
| Membership and access | Current permanent and fixed-term ANZ employees can join, as can partners of current members. Existing members can generally stay after leaving ANZ. A former employee who never joined cannot assume they can enter later. Sources1234 | Check the current joining rules and transfer documents. Existing members remain Child Care Super members after the move. Sources12 |
| Accounts and products | ANZ Australian Staff Superannuation Scheme. This is separate from ANZ Smart Choice Super. Employee Section Personal Section Partner Section Retirement Section Sources1234 | Child Care Super accumulation and pension products. Sources12 |
| Investment choices | Balanced Growth (ANZ Staff MySuper) There are four options: Aggressive Growth, Balanced Growth, Cautious and Cash. Members can combine them. This is a compact investment menu for people who want a few clear choices. Sources1234 | The new menu maps existing holdings to comparable investment options. Members should check the new option's allocation and risk description rather than relying on its predecessor's name. Sources12 |
| Insurance | Eligible Employee members can receive automatic death and TPD cover and apply for salary continuance. Partner members apply for cover. Cover, premiums and continuation rules vary by section; current rebates should not be assumed permanent. Sources1234 | Existing cover and policy terms stay the same under the notice. The insurance administration fee rises, increasing the total insurance cost. Sources12 |
| Retirement income | The Retirement Section offers retirement income and transition-to-retirement accounts, subject to eligibility and minimum balance requirements. Sources1234 | Pension payments continue under the transition arrangements. Some September payments are brought forward and some member-initiated transactions are temporarily unavailable. Sources12 |
| Comparing investment performance | Use ANZ Staff MySuper for the default investment comparison, then check the member section and insurance separately. Sources1234 | Compare the post-transfer investment strategy with a genuinely similar alternative. Historical returns require an explanation of the predecessor option. Sources12 |
| Advice and support | This detail has not been verified for this profile. Check the current product documents. | Use the current member support and disclosure documents to confirm advice availability, scope and charges. Sources12 |
| Fee details to check | This detail has not been verified for this profile. Check the current product documents. | The notice expects lower overall fees for most members, but the effect depends on balance and option. New contributions use Smart Future Trust ABN 68 964 712 340 and USI 68964712340022 from 5 September 2026. Sources12 |
THE SUPERGURU VIEW
The employee benefits make this worth examining before an ANZ employee switches elsewhere. Use the section you will actually hold: a comparison based on Employee pricing can give the wrong answer for a partner or former employee.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
Relevant to child care workers and existing members who want to understand the changes before comparing another fund.
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 ANZ Staff Super profile · Read the full Child Care 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.