Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Specialist retail fund
AESF is a specialist super fund for overseas pension transfers, Australian expatriates and Australian residents, with multi-currency investment choices.
The May 2026 PDS includes Australian residents, expatriates and people considering overseas pension transfers. UK tax-relieved transfers have additional eligibility conditions.
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 | Choose an investment option | MySuper |
|---|---|---|
| Return basis | Choose an option | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | Choose an option | 6.77% |
| 5-year return, per year | Choose an option | 6.02% |
| 7-year return, per year | Choose an option | 6.52% |
| 10-year return, per year | Choose an option | 7.14% |
| APRA strategic growth allocation | Choose an option | 68.25% |
| Reported total fees, net of tax, at $50,000 | Choose an option | $440 a year (0.88%) |
| Administration and advice costs, net of tax (included in total) | Choose an option | $125 a year |
| 2026 performance test | Choose an option | Pass |
| 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 Expatriate Superannuation Fund | Australian Food Super |
|---|---|---|
| Membership and access | The May 2026 PDS includes Australian residents, expatriates and people considering overseas pension transfers. UK tax-relieved transfers have additional eligibility conditions. Sources123 | Anyone can join, subject to product rules. People can remain members when they leave the meat industry. Sources123 |
| Accounts and products | Personal Super and Personal Pension. Sources123 | Superannuation and pension products. Sources123 |
| Investment choices | Members can access investment and cash choices in multiple currencies through the platform. Sources123 | The fund has MySuper and Choice investments. Pension members can access the Choice menu but not the MySuper option. Sources123 |
| Insurance | Existing insurance arrangements should be checked with the fund. Older application forms describe cover that should not be assumed to be available on the same terms today. 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 |
| Retirement income | Personal Pension provides an income stream when the member meets the relevant access rules. Sources123 | Australian Food Super Pension provides an account-based income product. Compare its fee and investment documents separately from accumulation super. Sources123 |
| Advice and support | Overseas pension transfers need advice that addresses both countries' rules and the member's residency. IVCM's product support does not decide whether a transfer is right for you. Sources123 | 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 | The PDS example assumes no QROPS or foreign-currency holdings. Transfer, currency and specialist administration costs can therefore change the actual total. Sources123 | Use the current product disclosure and member guide for the option and account type. Include insurance premiums in a personal comparison. Sources123 |
| Comparing investment performance | Compare the selected investments, currencies and net costs. Currency movements can alter both investment results and tax calculations. Sources123 | Compare the published MySuper or Choice option over identical dates and distinguish pension from accumulation results. Sources123 |
THE SUPERGURU VIEW
Relevant for people investigating a cross-border pension transfer, rather than a routine domestic fund comparison.
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 Australian Expatriate Superannuation Fund 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.