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.
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 | MySuper | PSSap 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% | 9.74% |
| 5-year return, per year | 6.44% | 6.77% |
| 7-year return, per year | 6.90% | 7.10% |
| 10-year return, per year | 7.31% | 7.57% |
| APRA strategic growth allocation | 78.13% | 69.06% |
| Reported total fees, net of tax, at $50,000 | $425 a year (0.85%) | $455 a year (0.91%) |
| Administration and advice costs, net of tax (included in total) | $135 a year | $75 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 $30. 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 69.06%. 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 | PSSap |
|---|---|---|
| Membership and access | The fund accepts applications from individuals; occupation and employment circumstances matter when checking insurance eligibility. Sources1234 | 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 | Accumulation super, transition-to-retirement and account-based pension. Sources1234 | 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 | 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 | 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 | 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 | lifePLUS can provide death, total and permanent disability and income protection cover. Automatic cover depends on eligibility. Sources123 |
| Retirement income | My Income is available within the account-based pension menu, alongside the other pension investment choices. Sources1234 | CSCri is a separate retirement income product. Its fees and tax treatment need a separate comparison. Sources123 |
| 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 | This detail has not been verified for this profile. Check the current product documents. |
| 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 | This detail has not been verified for this profile. Check the current product documents. |
| 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 | Use the same balance, investment risk and reporting date on both sides. Sources123 |
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
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 NESS 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.