Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Industry fund
BUSSQ focuses on the building and construction industries. Its insurance is designed to accommodate high-risk jobs, including eligible casuals and contractors.
The fund also provides cover for white-collar workers. Check the product's joining rules and the insurance eligibility rules for the job you actually do.
Retail investment platform
Centric is an adviser-led super platform for members who want a portfolio built around selected investments.
Designed for members working with a financial adviser. Confirm the available service and minimum balance with the adviser.
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 | 7.41% | Choose an option |
| 5-year return, per year | 5.02% | Choose an option |
| 7-year return, per year | 6.24% | Choose an option |
| 10-year return, per year | 6.66% | Choose an option |
| APRA strategic growth allocation | 69.77% | Choose an option |
| Reported total fees, net of tax, at $50,000 | $470 a year (0.94%) | Choose an option |
| Administration and advice costs, net of tax (included in total) | $95 a year | Choose an option |
| 2026 performance test | Fail | 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 | BUSSQ | Centric Super |
|---|---|---|
| Membership and access | The fund also provides cover for white-collar workers. Check the product's joining rules and the insurance eligibility rules for the job you actually do. Sources1234 | Designed for members working with a financial adviser. Confirm the available service and minimum balance with the adviser. Sources123 |
| Accounts and products | BUSSQ Super and Income accounts, with existing term allocated pensions. Sources1234 | Centric Super accumulation and retirement accounts. Sources123 |
| Investment choices | The fund offers a diversified Balanced Growth portfolio and other investment choices under its Foundation + Flex approach. The menu changed in 2026, including a new Bonds option. Sources1234 | Centric Choice provides a broad investment menu. Centric One centres on multi-asset model portfolios, with consolidated online reporting. Sources123 |
| Insurance | Death, TPD and income protection cover are available. BUSSQ says casuals and contractors can access its insurance options when they meet minimum-hours conditions. Sources1234 | Insurance arrangements should be checked in the current super disclosure and the proposal supplied by your adviser; investment-platform access alone does not establish your cover. Sources123 |
| Retirement income | Income accounts and transition-to-retirement arrangements have separate investment and fee information. Existing term allocated pensions should be compared under their own rules. Sources1234 | The platform supports transition-to-retirement and pension accounts. Sources123 |
| Advice and support | Personal advice about BUSSQ insurance, investment choice, contributions and retirement is included in administration fees. The scope is limited to BUSSQ products. Sources1234 | Portfolio selection is part of an advised service. Ask for the ongoing advice scope and fee in writing. Sources123 |
| Fee details to check | The current page lists a balance-based administration fee, capped annually, plus investment and transaction costs that depend on the option. Include any insurance charge separately. Sources1234 | Add the platform and account charges, cash-account margin, investment costs, transaction costs and any adviser remuneration. A monthly account fee alone does not describe the whole cost. Sources123 |
| Comparing investment performance | BUSSQ's published long-run headline uses Balanced Growth and includes specified administration deductions. Match those deductions before comparing it with another fund's investment-only return. Sources1234 | There is no single Centric return. Compare the actual model or selected holdings after all relevant costs, using a consistent period and risk level. Sources123 |
THE SUPERGURU VIEW
A relevant fund to examine for construction workers who need to check whether another insurer excludes or limits their occupation.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
May suit someone who has a clear reason for using an adviser and wants that adviser to manage investments within super.
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 BUSSQ profile · Read the full Centric 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.