Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
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.
Industry fund
NESS is a smaller industry fund with an electrical-trades focus and a relatively short investment menu.
The fund accepts applications from individuals; occupation and employment circumstances matter when checking insurance eligibility.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
| Measure | Choose an investment option | MySuper |
|---|---|---|
| Return basis | Choose an option | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | Choose an option | 9.22% |
| 5-year return, per year | Choose an option | 6.44% |
| 7-year return, per year | Choose an option | 6.90% |
| 10-year return, per year | Choose an option | 7.31% |
| APRA strategic growth allocation | Choose an option | 78.13% |
| Reported total fees, net of tax, at $50,000 | Choose an option | $425 a year (0.85%) |
| Administration and advice costs, net of tax (included in total) | Choose an option | $135 a year |
| 2026 performance test | Choose an option | Pass |
| New-member status at reporting date | Check the current product eligibility rules | Check the current product eligibility rules |
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 | ING Living Super | NESS Super |
|---|---|---|
| Membership and access | Online applications are available to Australian residents aged 13 or over, subject to the product's terms. Sources123 | The fund accepts applications from individuals; occupation and employment circumstances matter when checking insurance eligibility. Sources1234 |
| Accounts and products | Living Super accumulation and retirement accounts. Sources123 | Accumulation super, transition-to-retirement and account-based pension. Sources1234 |
| Investment choices | Five diversified managed options span conservative to high-growth allocations. Listed investment access includes approved ETFs, shares and listed investment companies. Sources123 | Seven choices are available for super and transition-to-retirement accounts. Pension members have an eighth, My Income. The menu spans MySuper/MyPension, High Growth, Stable, shares, property and cash. Sources1234 |
| Insurance | Check the Product Guide for cover availability, commencement and premiums; bank insurance products are separate from super insurance. Sources123 | Death or terminal illness, total and permanent disability, and income protection cover are available. Read the insurance guide for occupation terms, waiting periods and payment limits. Sources1234 |
| Retirement income | Pension arrangements are available under the Living Super disclosure. Sources123 | My Income is available within the account-based pension menu, alongside the other pension investment choices. Sources1234 |
| Advice and support | Members can apply directly or speak with a financial adviser. Online access is an administration feature, not personal investment advice. Sources123 | Use the fund's tools and advice service to establish what support is included and when a separate advice fee applies. Sources1234 |
| Fee details to check | Use the PDS and Product Guide for the chosen managed option or direct-investment arrangement. Brokerage, insurance and transaction costs need separate attention. Sources123 | Use the fees and costs guide effective 31 March 2026. Compare administration charges, the chosen option's investment costs and your insurance premium. Sources1234 |
| Comparing investment performance | 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 | Compare MySuper with options that have a similar growth allocation. Property or shares options are components of a portfolio, so their returns are not direct substitutes for diversified-fund returns. Sources1234 |
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.
THE SUPERGURU VIEW
Worth investigating for an electrician or other tradesperson who wants to check insurance alongside investment costs.
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 ING Living Super profile · Read the full NESS 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.