Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
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.
Closed public sector scheme
CSS is a closed Commonwealth scheme whose benefit depends on more than the investment return shown on a statement.
Relevant to existing contributors, deferred members and pensioners. Some returning employees must or may resume contributing.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
| Measure | 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 | 6.77% | Choose an option |
| 5-year return, per year | 6.02% | Choose an option |
| 7-year return, per year | 6.52% | Choose an option |
| 10-year return, per year | 7.14% | Choose an option |
| APRA strategic growth allocation | 68.25% | Choose an option |
| Reported total fees, net of tax, at $50,000 | $440 a year (0.88%) | Choose an option |
| Administration and advice costs, net of tax (included in total) | $125 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 Food Super | CSS |
|---|---|---|
| Membership and access | Anyone can join, subject to product rules. People can remain members when they leave the meat industry. Sources123 | Relevant to existing contributors, deferred members and pensioners. Some returning employees must or may resume contributing. Sources12 |
| Accounts and products | Superannuation and pension products. Sources123 | Commonwealth Superannuation Scheme, including defined benefit and accumulation components. CSS defined benefit CSS accumulation component Sources12 |
| Investment choices | The fund has MySuper and Choice investments. Pension members can access the Choice menu but not the MySuper option. Sources123 | Investment earnings affect the funded component; they are only part of the overall benefit calculation. Sources12 |
| Insurance | 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 | This detail has not been verified for this profile. Check the current product documents. |
| Retirement income | Australian Food Super Pension provides an account-based income product. Compare its fee and investment documents separately from accumulation super. Sources123 | The main retirement benefit is generally a pension. Age, service, reason for leaving and sometimes final salary affect its calculation. Sources12 |
| Advice and support | The fund has engaged Retire360 to provide advice. Confirm which assistance is included and what a more detailed personal plan costs. Sources123 | This detail has not been verified for this profile. Check the current product documents. |
| Fee details to check | Use the current product disclosure and member guide for the option and account type. Include insurance premiums in a personal comparison. Sources123 | This detail has not been verified for this profile. Check the current product documents. |
| Comparing investment performance | Compare the published MySuper or Choice option over identical dates and distinguish pension from accumulation results. Sources123 | Explain benefits beside other schemes without treating CSS as a fund anyone can join. Sources12 |
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.
THE SUPERGURU VIEW
For a CSS member, an ordinary fund ranking answers too little. Get a benefit estimate for the actual exit date and compare the pension and lump-sum choices before considering any transfer.
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 Food Super profile · Read the full CSS 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.