Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Industry fund
NESS is a smaller industry fund with an electrical-trades focus and a relatively short investment menu.
The fund accepts applications from individuals; occupation and employment circumstances matter when checking insurance eligibility.
Industry fund
Prime Super is an independent fund with rural and regional roots. Its members work across agriculture, health, education, aged care, recruitment and other industries.
Serves members across several industries. Check the joining criteria and any employer-specific insurance arrangements in the current member guide.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
| Measure | MySuper | MySuper |
|---|---|---|
| Return basis | MySuper net return after administration costs, $50,000 representative member | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | 9.22% | 8.49% |
| 5-year return, per year | 6.44% | 5.59% |
| 7-year return, per year | 6.90% | 6.35% |
| 10-year return, per year | 7.31% | 7.00% |
| APRA strategic growth allocation | 78.13% | 75.75% |
| Reported total fees, net of tax, at $50,000 | $425 a year (0.85%) | $505 a year (1.01%) |
| Administration and advice costs, net of tax (included in total) | $135 a year | $235 a year |
| 2026 performance test | Pass | Pass |
| New-member status at reporting date | Check the current product eligibility rules | Check the current product eligibility rules |
At $50,000, the reported annual total-cost difference is $80. NESS Super's selected reporting pathway has the lower reported cost on this measure. The figures cover the year to June 2026; current prices, insurance and separately charged advice can change the comparison.
The growth allocations are 78.13% and 75.75%. A return gap can reflect different exposure to growth assets, and similar headline allocations can still contain different investments.
A performance-test pass is a benchmark result for the tested product or pathway. It is not an endorsement or a guarantee of future performance.
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 | NESS Super | Prime Super |
|---|---|---|
| Membership and access | The fund accepts applications from individuals; occupation and employment circumstances matter when checking insurance eligibility. Sources1234 | Serves members across several industries. Check the joining criteria and any employer-specific insurance arrangements in the current member guide. Sources1234 |
| Accounts and products | Accumulation super, transition-to-retirement and account-based pension. Sources1234 | Superannuation and retirement income products. Sources1234 |
| Investment choices | Seven choices are available for super and transition-to-retirement accounts. Pension members have an eighth, My Income. The menu spans MySuper/MyPension, High Growth, Stable, shares, property and cash. Sources1234 | Members can choose a mix of investment options or use the MySuper default. The menu includes diversified choices and sector options such as Australian shares, international shares, property and cash. Sources1234 |
| Insurance | Death or terminal illness, total and permanent disability, and income protection cover are available. Read the insurance guide for occupation terms, waiting periods and payment limits. Sources1234 | The member guide describes insurance choices. Use the cover available under your employer or personal membership arrangement when comparing benefits. Sources1234 |
| Retirement income | My Income is available within the account-based pension menu, alongside the other pension investment choices. Sources1234 | Income Stream accounts are available. The investment option corresponding to MySuper is called Balanced for pension accounts, so comparisons must use the correct account phase. Sources1234 |
| Advice and support | Use the fund's tools and advice service to establish what support is included and when a separate advice fee applies. Sources1234 | The fund has superannuation specialists and a book-a-chat service. Confirm whether you are receiving general guidance or personal advice, and the fee for any detailed plan. Sources1234 |
| Fee details to check | Use the fees and costs guide effective 31 March 2026. Compare administration charges, the chosen option's investment costs and your insurance premium. Sources1234 | Use the member guide and each option's current fee disclosure. Investment costs vary with the chosen portfolio, and insurance is a separate comparison. Sources1234 |
| Comparing investment performance | Compare MySuper with options that have a similar growth allocation. Property or shares options are components of a portfolio, so their returns are not direct substitutes for diversified-fund returns. Sources1234 | Prime publishes returns by option and period. Its current page refers to periods ending 30 June 2026; any ranking needs the same dates, peer group and fee basis on both sides. Sources1234 |
THE SUPERGURU VIEW
Worth investigating for an electrician or other tradesperson who wants to check insurance alongside investment costs.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
Worth researching for someone who values a fund with experience in rural work and care industries, particularly when its member support is useful to them.
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 NESS Super profile · Read the full Prime 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.