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.
Closed public sector schemes
State Super administers closed NSW public sector schemes with benefits based partly or wholly on scheme formulas.
These schemes serve existing and deferred members and pensioners. SSS closed in 1985; the Police scheme in 1988; SASS in 1992.
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 | State Super NSW |
|---|---|---|
| Membership and access | Online applications are available to Australian residents aged 13 or over, subject to the product's terms. Sources123 | These schemes serve existing and deferred members and pensioners. SSS closed in 1985; the Police scheme in 1988; SASS in 1992. Sources12 |
| Accounts and products | Living Super accumulation and retirement accounts. Sources123 | SASS, SSS, Police Superannuation Scheme and SANCS. Scheme-specific identifiers apply. SASS SSS Police Superannuation Scheme SANCS Sources12 |
| Investment choices | Five diversified managed options span conservative to high-growth allocations. Listed investment access includes approved ETFs, shares and listed investment companies. Sources123 | This detail has not been verified for this profile. Check the current product documents. |
| Insurance | Check the Product Guide for cover availability, commencement and premiums; bank insurance products are separate from super insurance. Sources123 | This detail has not been verified for this profile. Check the current product documents. |
| Retirement income | Pension arrangements are available under the Living Super disclosure. Sources123 | Benefits can depend on salary, service and historical membership provisions. Sources12 |
| Advice and support | Members can apply directly or speak with a financial adviser. Online access is an administration feature, not personal investment advice. Sources123 | This detail has not been verified for this profile. Check the current product documents. |
| 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 | This detail has not been verified for this profile. Check the current product documents. |
| 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 | Keep SASS, SSS and NSW Police PSS distinguishable in search and comparison labels. Sources12 |
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
The scheme name and membership history matter more than the State Super umbrella brand. Obtain an estimate under your own rules before comparing a pension or lump sum with another retirement arrangement.
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 State Super NSW 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.