Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Retail investment platform
Mason Stevens Super provides an account for an adviser-selected investment portfolio, with super and pension administration in one service.
Access and portfolio arrangements are handled through an adviser. Review the super PDS rather than relying on the wider firm's investment-service material.
Restricted public sector fund
PSSap is CSC's accumulation fund for eligible current and former Australian Government employees.
Joining normally requires eligible government employment. After 12 continuous months in eligible employment, a member can receive contributions from other employers. Some CSS and PSS members can open a personal accumulation account, subject to 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 | PSSap MySuper |
|---|---|---|
| Return basis | Choose an option | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | Choose an option | 9.74% |
| 5-year return, per year | Choose an option | 6.77% |
| 7-year return, per year | Choose an option | 7.10% |
| 10-year return, per year | Choose an option | 7.57% |
| APRA strategic growth allocation | Choose an option | 69.06% |
| Reported total fees, net of tax, at $50,000 | Choose an option | $455 a year (0.91%) |
| Administration and advice costs, net of tax (included in total) | Choose an option | $75 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 | Mason Stevens Super | PSSap |
|---|---|---|
| Membership and access | Access and portfolio arrangements are handled through an adviser. Review the super PDS rather than relying on the wider firm's investment-service material. Sources123 | Joining normally requires eligible government employment. After 12 continuous months in eligible employment, a member can receive contributions from other employers. Some CSS and PSS members can open a personal accumulation account, subject to eligibility. Sources123 |
| Accounts and products | Mason Stevens Super and pension. Sources123 | Public Sector Superannuation Accumulation Plan. CSCri retirement accounts use the same fund ABN but have separate terms. PSSap employer-sponsored membership PSSap personal accumulation CSCri retirement income Sources123 |
| Investment choices | The platform gives access to managed investments and portfolio services. The PDS includes a Foundation ETF Balanced example, but that example is not every member's portfolio. Sources123 | PSSap MySuper Balanced Members can choose among four investment options. The MySuper comparison applies to Balanced; it does not describe every PSSap account. Sources123 |
| Insurance | Ask the adviser to identify the available insurer, eligibility and terms in the current super disclosure before arranging or replacing cover. Sources123 | lifePLUS can provide death, total and permanent disability and income protection cover. Automatic cover depends on eligibility. Sources123 |
| Retirement income | Super and pension accounts have different cash requirements and payment needs. Sources123 | CSCri is a separate retirement income product. Its fees and tax treatment need a separate comparison. Sources123 |
| Advice and support | An adviser helps select and manage the portfolio. Adviser remuneration is additional to the platform's standard cost example. Sources123 | This detail has not been verified for this profile. Check the current product documents. |
| Fee details to check | Include account fees, administration, the cash margin, investment costs and adviser charges. The PDS's worked example uses $48,000 in a model and $2,000 in cash, which affects the result. Sources123 | This detail has not been verified for this profile. Check the current product documents. |
| Comparing investment performance | Assess the selected investments and actual cash allocation. A model's published return does not necessarily include all account and advice costs. Sources123 | Use the same balance, investment risk and reporting date on both sides. Sources123 |
THE SUPERGURU VIEW
A candidate for an advised member who needs portfolio services and can explain what they add to a simpler diversified option.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
PSSap deserves a place on an eligible employee's shortlist, especially when assessing their employment package. Check the contribution and insurance arrangements attached to the job before comparing funds on fees alone.
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 Mason Stevens Super profile · Read the full PSSap 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.