Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Industry fund
Cbus combines a construction-industry focus with public membership, a conventional investment menu and an optional direct investment service.
Anyone can join, subject to product eligibility. Certain Retirement Scheme members cannot use all the same investment features as ordinary accumulation members.
Retail fund brand
Cruelty Free Super gives animal-welfare concerns a central role in its ethical approach. It replaced its single Growth option with three choices in 2024.
Public membership is available under the current product documents.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
| Measure | Growth (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 | 8.92% | Choose an option |
| 5-year return, per year | 6.09% | Choose an option |
| 7-year return, per year | 7.00% | Choose an option |
| 10-year return, per year | 7.82% | Choose an option |
| APRA strategic growth allocation | 76.08% | Choose an option |
| Reported total fees, net of tax, at $50,000 | $455 a year (0.91%) | Choose an option |
| Administration and advice costs, net of tax (included in total) | $180 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 | Cbus | Cruelty Free Super |
|---|---|---|
| Membership and access | Anyone can join, subject to product eligibility. Certain Retirement Scheme members cannot use all the same investment features as ordinary accumulation members. Sources1 | Public membership is available under the current product documents. Sources123 |
| Accounts and products | Cbus Industry Super and Super Income Stream. Retirement Scheme members have separate restrictions. Cbus Industry Super Super Income Stream Cbus Self Managed investment option Retirement Scheme arrangements Sources123456 | Cruelty Free Super accumulation. Sources123 |
| Investment choices | Growth (MySuper) Members can choose pre-mixed and DIY asset-class options, including an Indexed Diversified option. Eligible members can use Cbus Self Managed for selected Australian shares, ETFs, term deposits and managed property and infrastructure investments. Despite its name, Cbus Self Managed is an option inside Cbus, not a separate SMSF. Sources23 | The current choices are Cruelty Free Australian Shares, Cruelty Free International Shares and Cash. Members select their own mix; these are not three diversified balanced portfolios. Sources123 |
| Insurance | Cbus offers death and TPD cover tailored to building, construction and allied industries. It describes automatic cover for eligible younger or low-balance members in the manual occupation category, an exception that makes the occupation rules especially important to read. Sources4 | AIA provides insurance. The FAQ says a transfer of existing insurance generally needs to be completed within 30 days of leaving the other fund. Sources123 |
| Retirement income | Super Income Stream provides retirement and transition-to-retirement pathways. The Fully Retired account allows eligible members to receive regular payments and make withdrawals. New members can establish an income stream using money from another super fund. Sources15 | The reviewed FAQ explains retirement withdrawals but does not establish a dedicated pension product. Check the income-stream pathway before retirement. Sources123 |
| Advice and support | Cbus has an advice team, retirement information sessions and member support. Confirm whether the proposed service is general help or personal advice and whether a fee applies. Sources1 | Member services provide product support; personal advice needs a qualified adviser. Sources123 |
| Fee details to check | Use the fees for the chosen pooled option or Self Managed arrangement, including account administration, investment costs and any trading costs. Insurance needs its own occupation-based comparison. Do not compare only the cash transaction account's interest rate or the price of one ETF. Sources123456 | Use the current PDS and reference guide for the chosen option, including administration, investment and insurance costs. Sources123 |
| Comparing investment performance | Cbus crediting rates deduct investment and transaction costs and investment tax, but exclude charges taken directly from member accounts. Its growth/defensive classification splits some property and infrastructure exposures between the two categories, so inspect the underlying allocation when comparing with another fund. Show the claims-handling finding as a dated court outcome, not as an allegation or an investment-performance measure. Compare asset allocation before comparing two funds' published growth-asset percentages. Sources2 | Read option inception and change dates; the pre-2024 single-option record is not the same record as every current option. Sources123 |
THE SUPERGURU VIEW
Cbus is a sensible fund to investigate when insuring manual work is part of the decision. Its direct property and infrastructure choices also distinguish the investment menu. The serious claims-handling failures recorded by ASIC need to sit alongside those features in a fair assessment.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
A candidate for people whose animal-welfare requirements are not met by a mainstream fund's screening policy.
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 Cbus profile · Read the full Cruelty Free 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.