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.
Transferred legacy fund
Super Retirement Fund members moved to National Mutual Retirement Fund on 1 July 2026. The older name still appears in statements and historical data.
This is a former fund arrangement. Continuing contributions now use the receiving fund's details and the correct product USI. Registration of the old entity does not mean members can remain in it.
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 | Choose an investment option |
|---|---|---|
| Return basis | MySuper net return after administration costs, $50,000 representative member | Choose an option |
| 3-year return, per year | 9.22% | Choose an option |
| 5-year return, per year | 6.44% | Choose an option |
| 7-year return, per year | 6.90% | Choose an option |
| 10-year return, per year | 7.31% | Choose an option |
| APRA strategic growth allocation | 78.13% | Choose an option |
| Reported total fees, net of tax, at $50,000 | $425 a year (0.85%) | Choose an option |
| Administration and advice costs, net of tax (included in total) | $135 a year | Choose an option |
| 2026 performance test | Pass | Choose an option |
| 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 | NESS Super | Super Retirement Fund |
|---|---|---|
| Membership and access | The fund accepts applications from individuals; occupation and employment circumstances matter when checking insurance eligibility. Sources1234 | This is a former fund arrangement. Continuing contributions now use the receiving fund's details and the correct product USI. Registration of the old entity does not mean members can remain in it. Sources123 |
| Accounts and products | Accumulation super, transition-to-retirement and account-based pension. Sources1234 | Historical Super Retirement Fund accounts. Members transferred to a dedicated section of National Mutual Retirement Fund immediately after 30 June 2026. Personal Super and SuperSelect PensionSelect SuperWise and SuperLink SuperCARE and Retirement Saver Select Personal Super and pension policies Whole-of-life and endowment super policies 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 | Investment choices and policy benefits were tied to the individual contract. A June 2026 option return remains historical information about that option; it does not describe all transferred accounts. 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 | Insurance held in an account at the transfer date moved with it. Members should use the current policy records when checking cover or making a claim. Sources123 |
| Retirement income | My Income is available within the account-based pension menu, alongside the other pension investment choices. Sources1234 | Existing pension payments continue through the receiving fund under their agreed schedules. The transfer itself is different from voluntarily cashing out or surrendering a policy. 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 | Keep June 2026 historical data under its original fund identity and link members to National Mutual Retirement Fund for current account context. Do not offer Super Retirement Fund as a fund to join. 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
The most useful job of this page is to connect an old statement to the current account. Check the receiving fund and product identifiers first. Then assess fees, investments and policy benefits using documents for the transferred section.
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 Super Retirement Fund 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.