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.
Retail investment platform
Platformplus Super Wrap is an adviser-oriented account for managing a portfolio across super and pension.
Read the current PDS with your adviser to confirm access and the appropriate accumulation or pension arrangement.
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 | ING Living Super | Platformplus Super Wrap |
|---|---|---|
| Membership and access | Online applications are available to Australian residents aged 13 or over, subject to the product's terms. Sources123 | Read the current PDS with your adviser to confirm access and the appropriate accumulation or pension arrangement. Sources1234 |
| Accounts and products | Living Super accumulation and retirement accounts. Sources123 | Accumulation and pension portfolios. 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 | The menu spans managed funds, managed accounts, listed investments, ETFs, cash and term deposits. The approved menu sets limits and availability. Sources1234 |
| Insurance | Check the Product Guide for cover availability, commencement and premiums; bank insurance products are separate from super insurance. Sources123 | The available PDS states that Platformplus does not offer insurance. Existing cover elsewhere cannot be replaced through this account. Sources1234 |
| Retirement income | Pension arrangements are available under the Living Super disclosure. Sources123 | Pension accounts and regular contribution arrangements are described in the product's super and pension materials. 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 | Adviser remuneration is separately agreed and authorised. The trustee does not select a personal portfolio for every member. 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 | Add platform charges, underlying investment costs, cash margins, transactions and adviser fees. Use your expected holdings and balance for the estimate. 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 | Assess the actual portfolio and total costs. WRAP Super's fund-level data also covers other divisions and does not identify a Platformplus member's result. 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
An option for an advised investor who needs portfolio flexibility and consolidated reporting.
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 Platformplus Super Wrap 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.