Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Retail fund brand
Child Care Super keeps its brand through the September 2026 move into Smart Future Trust. The transfer changes investments and fees while preserving existing insurance cover and policy terms.
Check the current joining rules and transfer documents. Existing members remain Child Care Super members after the move.
Retail fund brand
Freedom of Choice is an Acclaim-administered super and pension product with managed funds, listed investments and term deposits.
The current disclosure library provides separate application forms for personal super and pension.
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 | Child Care Super | Freedom of Choice Super |
|---|---|---|
| Membership and access | Check the current joining rules and transfer documents. Existing members remain Child Care Super members after the move. Sources12 | The current disclosure library provides separate application forms for personal super and pension. Sources1234 |
| Accounts and products | Child Care Super accumulation and pension products. Sources12 | Freedom of Choice Personal Super and Pension. Sources1234 |
| Investment choices | The new menu maps existing holdings to comparable investment options. Members should check the new option's allocation and risk description rather than relying on its predecessor's name. Sources12 | The menu includes more than 150 managed funds, approved ASX300 shares and ETFs, term deposits and a cash account. Sources1234 |
| Insurance | Existing cover and policy terms stay the same under the notice. The insurance administration fee rises, increasing the total insurance cost. Sources12 | An insurance guide and occupation-rating forms set out the available cover. Do not assume the terms match Acclaim Core or an employer arrangement. Sources1234 |
| Retirement income | Pension payments continue under the transition arrangements. Some September payments are brought forward and some member-initiated transactions are temporarily unavailable. Sources12 | A personal pension account is available with separate application and product terms. Sources1234 |
| Advice and support | Use the current member support and disclosure documents to confirm advice availability, scope and charges. Sources12 | Adviser nomination and advice-fee consent forms are part of the service. Confirm who will make investment decisions and what they will charge. Sources1234 |
| Fee details to check | The notice expects lower overall fees for most members, but the effect depends on balance and option. New contributions use Smart Future Trust ABN 68 964 712 340 and USI 68964712340022 from 5 September 2026. Sources12 | Use Freedom of Choice's own reference guide and July 2026 updates. Platform, investments, transactions, cash and advice can all contribute to the cost. Sources1234 |
| Comparing investment performance | Compare the post-transfer investment strategy with a genuinely similar alternative. Historical returns require an explanation of the predecessor option. Sources12 | Evaluate the selected managed funds or the member's complete portfolio; another AMG Super product's return is not a substitute. Sources1234 |
THE SUPERGURU VIEW
Relevant to child care workers and existing members who want to understand the changes before comparing another fund.
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 a member working with an adviser who needs this menu and has compared its total cost with alternatives.
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 Child Care Super profile · Read the full Freedom of Choice 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.