Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
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.
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.
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 | CSS | ING Living Super |
|---|---|---|
| Membership and access | Relevant to existing contributors, deferred members and pensioners. Some returning employees must or may resume contributing. Sources12 | Online applications are available to Australian residents aged 13 or over, subject to the product's terms. Sources123 |
| Accounts and products | Commonwealth Superannuation Scheme, including defined benefit and accumulation components. CSS defined benefit CSS accumulation component Sources12 | Living Super accumulation and retirement accounts. Sources123 |
| Investment choices | Investment earnings affect the funded component; they are only part of the overall benefit calculation. Sources12 | Five diversified managed options span conservative to high-growth allocations. Listed investment access includes approved ETFs, shares and listed investment companies. Sources123 |
| Retirement income | The main retirement benefit is generally a pension. Age, service, reason for leaving and sometimes final salary affect its calculation. Sources12 | Pension arrangements are available under the Living Super disclosure. Sources123 |
| Comparing investment performance | Explain benefits beside other schemes without treating CSS as a fund anyone can join. Sources12 | 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 |
| Insurance | This detail has not been verified for this profile. Check the current product documents. | Check the Product Guide for cover availability, commencement and premiums; bank insurance products are separate from super insurance. Sources123 |
| Advice and support | This detail has not been verified for this profile. Check the current product documents. | 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 | This detail has not been verified for this profile. Check the current product documents. | Use the PDS and Product Guide for the chosen managed option or direct-investment arrangement. Brokerage, insurance and transaction costs need separate attention. Sources123 |
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.
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 CSS 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.