Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
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.
Retail fund brand
Living Super combines diversified investment options with a facility for listed investments, and lets ING customers see super alongside their banking.
Online applications are available to Australian residents aged 13 or over, subject to the product's terms.
These brands share at least one legal super fund. They can still have different products, menus, fees or insurance. Check the exact account and investment pathway rather than counting them as unrelated funds.
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 | Cruelty Free Super | ING Living Super |
|---|---|---|
| Membership and access | Public membership is available under the current product documents. Sources123 | Online applications are available to Australian residents aged 13 or over, subject to the product's terms. Sources123 |
| Accounts and products | Cruelty Free Super accumulation. Sources123 | Living Super accumulation and retirement accounts. Sources123 |
| Investment choices | 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 | Five diversified managed options span conservative to high-growth allocations. Listed investment access includes approved ETFs, shares and listed investment companies. Sources123 |
| Insurance | 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 | Check the Product Guide for cover availability, commencement and premiums; bank insurance products are separate from super insurance. Sources123 |
| Retirement income | The reviewed FAQ explains retirement withdrawals but does not establish a dedicated pension product. Check the income-stream pathway before retirement. Sources123 | Pension arrangements are available under the Living Super disclosure. Sources123 |
| Advice and support | Member services provide product support; personal advice needs a qualified adviser. Sources123 | Members can apply directly or speak with a financial adviser. Online access is an administration feature, not personal investment advice. Sources123 |
| Fee details to check | Use the current PDS and reference guide for the chosen option, including administration, investment and insurance costs. Sources123 | Use the PDS and Product Guide for the chosen managed option or direct-investment arrangement. Brokerage, insurance and transaction costs need separate attention. Sources123 |
| Comparing investment performance | Read option inception and change dates; the pre-2024 single-option record is not the same record as every current option. Sources123 | Option names do not establish equivalent risk. Living Super Growth's current published allocation is 75% growth assets, so compare its actual mix rather than the label alone. Sources123 |
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.
THE SUPERGURU VIEW
Worth comparing for someone who wants ING account visibility or listed investments without administering an SMSF.
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 Cruelty Free Super profile · Read the full ING Living 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.