Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Industry fund brand
Media Super remains the super brand for print, media, entertainment, arts and other creative industries within Cbus.
The brand serves its creative-industry community and eligible members under its current products.
Retail fund brand
Pearler Super is a digital accumulation account for members who want to choose ETFs and other approved ASX securities.
The PDS allows a zero initial investment, but an operating cash balance is required once the account is funded.
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 | Media Super | Pearler Super |
|---|---|---|
| Membership and access | The brand serves its creative-industry community and eligible members under its current products. Sources1234 | The PDS allows a zero initial investment, but an operating cash balance is required once the account is funded. Sources123 |
| Accounts and products | Media Super branded super and retirement products issued within Cbus. Sources1234 | Pearler Personal Super accumulation. Sources123 |
| Investment choices | Use the current Media Super investment menu. Historic Media Super options are not independent portfolios that remain available alongside Cbus after the merger. Sources1234 | Members can choose from a menu of ETFs and other ASX-listed securities through the Pearler apps. Sources123 |
| Insurance | Insurance terms are product-specific. Creative workers with contract, freelance or irregular work should read the income and employment definitions in their own guide. Sources1234 | There is no integrated insurance. Moving an entire balance from another fund can end the cover held there. Sources123 |
| Retirement income | Check the current Media Super retirement product documents and default strategy. Compare retirement returns with retirement returns. Sources1234 | The current PDS does not offer a pension account. Sources123 |
| Advice and support | The current site provides advice resources and member assistance. A personal plan needs an explicit scope and fee check. Sources1234 | The app offers investment tools. Any advice arrangement should be assessed separately from access to those tools. Sources123 |
| Fee details to check | Use the post-merger Media Super schedule. Its published merger explanation describes investment fee savings but does not mean every historical fee applies today. Sources1234 | Administration fees apply to the first $500,000, with eligible family-group caps. Add underlying investment costs, transactions and the effect of the cash account. Sources123 |
| Comparing investment performance | Read the pre- and post-merger history note before comparing a long-run Media Super return. Show when an investment strategy changed. Sources1234 | Performance depends on the actual securities and cash held. There is no single Pearler portfolio return that applies to everyone. Sources123 |
THE SUPERGURU VIEW
A useful comparison for people in creative industries who value that industry connection and want to check the actual insurance and investment terms.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
May suit a member who can construct and maintain a diversified listed portfolio and has separately considered insurance.
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 Media Super profile · Read the full Pearler 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.