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
Prime Super is an independent fund with rural and regional roots. Its members work across agriculture, health, education, aged care, recruitment and other industries.
Serves members across several industries. Check the joining criteria and any employer-specific insurance arrangements in the current member guide.
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 | 8.49% |
| 5-year return, per year | Choose an option | 5.59% |
| 7-year return, per year | Choose an option | 6.35% |
| 10-year return, per year | Choose an option | 7.00% |
| APRA strategic growth allocation | Choose an option | 75.75% |
| Reported total fees, net of tax, at $50,000 | Choose an option | $505 a year (1.01%) |
| Administration and advice costs, net of tax (included in total) | Choose an option | $235 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 | BT | Prime 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 | Serves members across several industries. Check the joining criteria and any employer-specific insurance arrangements in the current member guide. Sources1234 |
| Accounts and products | Panorama Super and BT Super Invest. Sources123 | Superannuation and retirement income products. Sources1234 |
| Investment choices | Shares, ETFs, managed funds, managed portfolios and other permitted investments, depending on the selected product and menu. Sources123 | Members can choose a mix of investment options or use the MySuper default. The menu includes diversified choices and sector options such as Australian shares, international shares, property and cash. Sources1234 |
| Insurance | Check the insurance offering in the precise platform PDS; it should not be inferred from a former BT employer account. Sources123 | The member guide describes insurance choices. Use the cover available under your employer or personal membership arrangement when comparing benefits. Sources1234 |
| Retirement income | Super and pension account types are available. Minimum transaction-account balances differ by account phase. Sources123 | Income Stream accounts are available. The investment option corresponding to MySuper is called Balanced for pension accounts, so comparisons must use the correct account phase. Sources1234 |
| Advice and support | Panorama supports adviser use; Super Invest is marketed to self-directed investors. Sources123 | The fund has superannuation specialists and a book-a-chat service. Confirm whether you are receiving general guidance or personal advice, and the fee for any detailed 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 | Use the member guide and each option's current fee disclosure. Investment costs vary with the chosen portfolio, and insurance is a separate comparison. Sources1234 |
| Comparing investment performance | There is no single BT platform return. Compare the selected portfolio after platform, investment, transaction and advice costs. Sources123 | Prime publishes returns by option and period. Its current page refers to periods ending 30 June 2026; any ranking needs the same dates, peer group and fee basis on both sides. 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
Worth researching for someone who values a fund with experience in rural work and care industries, particularly when its member support is useful to them.
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 Prime 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.