Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Retail platform
BT offers Panorama Super and the self-directed BT Super Invest product. These are investment platforms with costs determined partly by what the member holds.
BT Super Invest is currently limited to existing Westpac customers aged at least 18 in Australia. Panorama has its own application arrangements.
Industry fund brand
Catholic Super remains a separate brand within Equip Super. Its background in Catholic education and healthcare is useful context, but the name alone does not tell you the investment screens or product terms.
Check the current joining and employer criteria. The brand serves its established community as well as members whose circumstances fit the product.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
The costs and returns belong to the selected product, option or lifecycle stage.
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 | BT | Catholic Super |
|---|---|---|
| Membership and access | BT Super Invest is currently limited to existing Westpac customers aged at least 18 in Australia. Panorama has its own application arrangements. Sources123 | Check the current joining and employer criteria. The brand serves its established community as well as members whose circumstances fit the product. Sources1234 |
| Accounts and products | Panorama Super and BT Super Invest. Sources123 | Superannuation, transition-to-retirement income and retirement income. Sources1234 |
| Investment choices | Shares, ETFs, managed funds, managed portfolios and other permitted investments, depending on the selected product and menu. Sources123 | Diversified and sector-specific choices. The default is MySuper for super accounts, Capital Stable for transition-to-retirement accounts and MyPension for retirement income accounts. Sources1234 |
| Insurance | Check the insurance offering in the precise platform PDS; it should not be inferred from a former BT employer account. Sources123 | Read the current Catholic Super insurance documents for the relevant employer or personal arrangement. Sources1234 |
| Retirement income | Super and pension account types are available. Minimum transaction-account balances differ by account phase. Sources123 | MyPension invests across Cash, Capital Stable and Growth. This is an investment allocation strategy, with market risk, rather than a promise to pay income for life. Sources1234 |
| Advice and support | Panorama supports adviser use; Super Invest is marketed to self-directed investors. Sources123 | Financial planning is available through Togethr Financial Planning. Confirm the work covered and the agreed charge before requesting a personal plan. Sources1234 |
| Fee details to check | Super Invest lists $540 a year plus a balance-based administration charge, then investment and transaction costs. Its quoted administration fee is not a total annual cost. Sources123 | Compare the current Catholic Super product disclosure with the same product phase elsewhere. Shared investment infrastructure with Equip does not justify guessing that every member fee and insurance term is identical. Sources1234 |
| Comparing investment performance | There is no single BT platform return. Compare the selected portfolio after platform, investment, transaction and advice costs. Sources123 | Use the current aligned investment menu and its predecessor notes. Compare individual options with similar asset mixes. Sources1234 |
THE SUPERGURU VIEW
Most relevant when a person has a reason to use specific investments and will use the platform's extra control.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
A useful candidate for people who value its workplace relationships or want the retirement services offered through the brand.
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 BT profile · Read the full Catholic 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.