Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Retail platform
HUB24 Super is an adviser platform with Discover, Core and Choice menus. The reason to consider it is the portfolio and administration functionality that a particular member needs.
The product is offered through an advice relationship; the current PDS and target market determination set the application rules.
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 | HUB24 | ING Living Super |
|---|---|---|
| Membership and access | The product is offered through an advice relationship; the current PDS and target market determination set the application rules. Sources123 | Online applications are available to Australian residents aged 13 or over, subject to the product's terms. Sources123 |
| Accounts and products | HUB24 Super with menu and account variants. Sources123 | Living Super accumulation and retirement accounts. Sources123 |
| Investment choices | Discover provides a streamlined managed-portfolio selection. Core and Choice offer other levels of investment breadth. Sources123 | Five diversified managed options span conservative to high-growth allocations. Listed investment access includes approved ETFs, shares and listed investment companies. Sources123 |
| Insurance | A separate HUB24 Super Insurance Guide sets out available cover and conditions. Sources123 | Check the Product Guide for cover availability, commencement and premiums; bank insurance products are separate from super insurance. Sources123 |
| Retirement income | The cash account processes pension payments as well as investment trades and fees. Retirement features depend on the selected account. Sources123 | Pension arrangements are available under the Living Super disclosure. Sources123 |
| Advice and support | Advisers use the platform to construct and manage client portfolios. Advice fees need to be included in any total-cost assessment. 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 | Calculate costs using the selected menu, balance and investments. Add adviser and managed-portfolio fees, plus transaction and underlying investment 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 | A HUB24 account does not have one standard return. Compare a specific proposed portfolio and its complete fees. 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 relevant comparison for someone paying for ongoing advice who will use the platform's portfolio features.
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 HUB24 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.