Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Industry fund
Brighter Super brings together Queensland local government and energy industry roots with the former Suncorp super business. It now serves a broader membership.
Open to a broad Australian membership. Employer and legacy product arrangements can differ, so use the disclosure documents for the account you would actually join.
Retail fund brand
Living Super combines diversified investment options with a facility for listed investments, and lets ING customers see super alongside their banking.
Online applications are available to Australian residents aged 13 or over, subject to the product's terms.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
| Measure | Accumulation - 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 | 9.73% | Choose an option |
| 5-year return, per year | 6.98% | Choose an option |
| 7-year return, per year | 7.02% | Choose an option |
| 10-year return, per year | 7.59% | Choose an option |
| APRA strategic growth allocation | 78.63% | Choose an option |
| Reported total fees, net of tax, at $50,000 | $365 a year (0.73%) | 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 | Brighter Super | ING Living Super |
|---|---|---|
| Membership and access | Open to a broad Australian membership. Employer and legacy product arrangements can differ, so use the disclosure documents for the account you would actually join. Sources1234 | Online applications are available to Australian residents aged 13 or over, subject to the product's terms. Sources123 |
| Accounts and products | Accumulation accounts, pension accounts and legacy or employer arrangements. Sources1234 | Living Super accumulation and retirement accounts. Sources123 |
| Investment choices | A MySuper default, ready-made multi-manager options and single-asset options. The comparison page states that MySuper is for accumulation accounts and is unavailable to pension and defined benefit members. Sources1234 | Five diversified managed options span conservative to high-growth allocations. Listed investment access includes approved ETFs, shares and listed investment companies. Sources123 |
| Insurance | Insurance is available through super. Cover, eligibility and the insurance guide depend on the account or employer arrangement. Sources1234 | Check the Product Guide for cover availability, commencement and premiums; bank insurance products are separate from super insurance. Sources123 |
| Retirement income | Pension and transition-to-retirement investment choices have their own return targets and fee documents. A pension return should not be compared directly with an accumulation return. Sources1234 | Pension arrangements are available under the Living Super disclosure. Sources123 |
| Advice and support | Member support and advice services are part of the fund's offering. Ask which questions the service covers and whether a separate advice fee applies. Sources1234 | Members can apply directly or speak with a financial adviser. Online access is an administration feature, not personal investment advice. Sources123 |
| Fee details to check | Use the current Investment and Fees Guide for the precise product and investment option. An old LGIAsuper, Energy Super or Suncorp fee figure is not a current Brighter Super quote. Sources1234 | Use the PDS and Product Guide for the chosen managed option or direct-investment arrangement. Brokerage, insurance and transaction costs need separate attention. Sources123 |
| Comparing investment performance | Match the investment option, account phase and reporting end date. For any history spanning the integration, read the explanation of the predecessor option. Sources1234 | Option names do not establish equivalent risk. Living Super Growth's current published allocation is 75% growth assets, so compare its actual mix rather than the label alone. Sources123 |
| Former names and account history | LGIAsuper: Brighter Super name launched in July 2022 following the Energy Super merger. Energy Super: Merged with LGIAsuper in July 2021; Brighter Super branding followed in July 2022. Suncorp Super: Business acquired in April 2022; successor fund transfer completed in June 2023. Sources5 | This detail has not been verified for this profile. Check the current product documents. |
THE SUPERGURU VIEW
Worth comparing if you want an industry fund with Queensland connections and the choice to move beyond its default portfolio.
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 someone who wants ING account visibility or listed investments without administering an SMSF.
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 Brighter Super profile · Read the full ING Living 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.