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
iQ Super combines an age-based default with a sizeable menu of active, indexed and low-carbon investments.
For Life and employer-based arrangements have their own product terms.
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 | Russell Investments iQ Super |
|---|---|---|
| Membership and access | Public membership is available under the current product documents. Sources123 | For Life and employer-based arrangements have their own product terms. Sources123 |
| Accounts and products | Cruelty Free Super accumulation. Sources123 | iQ Super and iQ Retirement. 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 | GoalTracker is the age-based MySuper default. The menu also includes diversified, sector, responsible and third-party indexed options. 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 | Insurance applications and terms differ by membership and employer plan. 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 | iQ Retirement includes pension and transition-to-retirement arrangements. Sources123 |
| Advice and support | Member services provide product support; personal advice needs a qualified adviser. Sources123 | Member resources include retirement support and advice; confirm the scope and fee for your request. 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 plan booklet for the precise iQ product. Employer pricing must not be assigned to every iQ member. 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 | GoalTracker changes exposure with age. Compare the correct stage and use the same fee basis as the competing option. 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
A useful candidate for someone who wants Russell's investment range or an employer plan with negotiated terms.
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 Russell Investments iQ 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.