Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Retail fund
Australian Ethical applies its ethical screening approach across its investment range. The main comparison is how its published criteria, portfolio and cost fit what you want your super to do.
Check the current super PDS and target market determination for joining conditions. Pension eligibility and investment choices are covered separately.
Retail fund brand
Cruelty Free Super gives animal-welfare concerns a central role in its ethical approach. It replaced its single Growth option with three choices in 2024.
Public membership is available under the current product documents.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
| Measure | Australian Ethical Retail Superannuation Fund 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 | 7.68% | Choose an option |
| 5-year return, per year | 5.00% | Choose an option |
| 7-year return, per year | 6.21% | Choose an option |
| 10-year return, per year | 6.99% | Choose an option |
| APRA strategic growth allocation | 72.25% | Choose an option |
| Reported total fees, net of tax, at $50,000 | $595 a year (1.19%) | Choose an option |
| Administration and advice costs, net of tax (included in total) | $160 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 | Australian Ethical | Cruelty Free Super |
|---|---|---|
| Membership and access | Check the current super PDS and target market determination for joining conditions. Pension eligibility and investment choices are covered separately. Sources7 | Public membership is available under the current product documents. Sources123 |
| Accounts and products | Australian Ethical Retail Superannuation Fund's super and pension products. Australian Ethical Super Australian Ethical account-based pension Sources3 | Cruelty Free Super accumulation. Sources123 |
| Investment choices | Balanced The range includes diversified options and share-focused choices with different risk levels. All are subject to Australian Ethical's screening process. Its exclusions and positive investment choices use detailed criteria and revenue thresholds, so 'ethical' should not be read as an absolute ban on every indirect connection to a sector. Sources127 | The current choices are Cruelty Free Australian Shares, Cruelty Free International Shares and Cash. Members select their own mix; these are not three diversified balanced portfolios. Sources123 |
| Insurance | Eligible members can receive default death and TPD cover, with income protection available by application. The amount and cost depend on the insurance terms. Members and eligible family members can access MetLife 360Health support services, subject to the service conditions. Sources45 | AIA provides insurance. The FAQ says a transfer of existing insurance generally needs to be completed within 30 days of leaving the other fund. Sources123 |
| Retirement income | Australian Ethical offers an account-based pension with its own investment options, fees and payment choices. Check that the pension option's asset mix is comparable with the accumulation holding you are considering moving. Sources56 | The reviewed FAQ explains retirement withdrawals but does not establish a dedicated pension product. Check the income-stream pathway before retirement. Sources123 |
| Advice and support | The fund provides information, calculators and a direction to seek licensed advice before investment decisions. This research has not verified a universal included personal-advice service, so confirm available assistance and fees directly. Sources3 | Member services provide product support; personal advice needs a qualified adviser. Sources123 |
| Fee details to check | Compare administration, investment and transaction charges for the chosen option, plus insurance and other applicable costs. Australian Ethical's published performance can exclude a fixed dollar member fee even when percentage administration fees are reflected; the return figure and total account cost are different measures. Sources6 | Use the current PDS and reference guide for the chosen option, including administration, investment and insurance costs. Sources123 |
| Comparing investment performance | The fund describes the fee basis of its published returns. Comparisons should use the same period, risk profile and account type and explain which administration fees are excluded. Screening can change sector exposures, so a broad-market index is a useful reference but not an identical portfolio. Compare ethical methodologies and actual holdings rather than awarding an unexplained ethical score. State fixed-fee exclusions alongside any net-return figure. Sources1 | Read option inception and change dates; the pre-2024 single-option record is not the same record as every current option. Sources123 |
THE SUPERGURU VIEW
Australian Ethical is worth examining if investment exclusions are a deciding factor. Its advantage for a researcher is the published ethical framework across the range. The next step is to read that framework against your own priorities, then assess the asset mix and cost with the same care you would apply to any other fund.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
A candidate for people whose animal-welfare requirements are not met by a mainstream fund's screening policy.
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 Australian Ethical profile · Read the full Cruelty Free 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.