Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
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.
Closed public sector scheme
CSS is a closed Commonwealth scheme whose benefit depends on more than the investment return shown on a statement.
Relevant to existing contributors, deferred members and pensioners. Some returning employees must or may resume contributing.
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 | Centric Super | CSS |
|---|---|---|
| Membership and access | Designed for members working with a financial adviser. Confirm the available service and minimum balance with the adviser. Sources123 | Relevant to existing contributors, deferred members and pensioners. Some returning employees must or may resume contributing. Sources12 |
| Accounts and products | Centric Super accumulation and retirement accounts. Sources123 | Commonwealth Superannuation Scheme, including defined benefit and accumulation components. CSS defined benefit CSS accumulation component Sources12 |
| Investment choices | Centric Choice provides a broad investment menu. Centric One centres on multi-asset model portfolios, with consolidated online reporting. Sources123 | Investment earnings affect the funded component; they are only part of the overall benefit calculation. Sources12 |
| Insurance | 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 | This detail has not been verified for this profile. Check the current product documents. |
| Retirement income | The platform supports transition-to-retirement and pension accounts. Sources123 | The main retirement benefit is generally a pension. Age, service, reason for leaving and sometimes final salary affect its calculation. Sources12 |
| Advice and support | Portfolio selection is part of an advised service. Ask for the ongoing advice scope and fee in writing. Sources123 | This detail has not been verified for this profile. Check the current product documents. |
| Fee details to check | 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 | This detail has not been verified for this profile. Check the current product documents. |
| Comparing investment performance | 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 | Explain benefits beside other schemes without treating CSS as a fund anyone can join. Sources12 |
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.
THE SUPERGURU VIEW
For a CSS member, an ordinary fund ranking answers too little. Get a benefit estimate for the actual exit date and compare the pension and lump-sum choices before considering any transfer.
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 Centric Super profile · Read the full CSS 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.