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 fund brand
Superhero Super offers managed investments, thematic choices and direct shares and ETFs within super.
Public membership under the applicable MySuper or Choice documents.
These brands share at least one legal super fund. They can still have different products, menus, fees or insurance. Check the exact account and investment pathway rather than counting them as unrelated funds.
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 | Superhero Super MySuper |
|---|---|---|
| Return basis | Choose an option | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | Choose an option | 9.95% |
| 5-year return, per year | Choose an option | 5.96% |
| 7-year return, per year | Choose an option | 6.67% |
| 10-year return, per year | Choose an option | 6.79% |
| APRA strategic growth allocation | Choose an option | 80.50% |
| Reported total fees, net of tax, at $50,000 | Choose an option | $350 a year (0.70%) |
| Administration and advice costs, net of tax (included in total) | Choose an option | $195 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 | Superhero Super |
|---|---|---|
| Membership and access | Online applications are available to Australian residents aged 13 or over, subject to the product's terms. Sources123 | Public membership under the applicable MySuper or Choice documents. Sources1234 |
| Accounts and products | Living Super accumulation and retirement accounts. Sources123 | Superhero Super Choice and MySuper. 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 | Diversified, single-sector, thematic and direct options. At least 25% of a Choice balance must remain across diversified or single-sector options. Sources1234 |
| Insurance | Check the Product Guide for cover availability, commencement and premiums; bank insurance products are separate from super insurance. Sources123 | MySuper and Choice insurance terms differ. There is no insurance in the retirement division; retaining accumulation cover requires a sufficiently funded super account. Sources1234 |
| Retirement income | Pension arrangements are available under the Living Super disclosure. Sources123 | Retirement and transition-to-retirement accounts are available, with a $20,000 minimum under the PDS dated 2 June 2026. 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 | The service supports self-directed investment decisions. Personal advice should be arranged where needed. 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 | Choice administration is $52 a year plus a balance-based fee; investment fees vary and direct investing adds costs. MySuper has its own schedule. 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 | The website's investment returns exclude administration fees and costs. Direct portfolios have member-specific 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
Relevant for an investor who wants more control but accepts the portfolio limits and 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 Superhero 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.