OneAnswer (OnePath) vs PSSap

Compare what each fund offers, then choose investment options to put their published costs and returns side by side.

By SuperGuru Group · Research checked 11 September 2026 · Historical APRA figures to 30 June 2026

First fundSecond fund

OneAnswer (OnePath)

Retail super and pension range

OneAnswer has a current Frontier super and pension range alongside older closed products. Investment choice is central to Frontier, and its current insurance arrangements differ from older descriptions.

Membership

Frontier accepts applications from people receiving its PDS in Australia, including applications submitted by a financial adviser. The usual minimum initial Personal Super investment is $2,000, or $1,000 with a Regular Investment Plan. Older OneAnswer Personal Super and pension products are closed to new members.

PSSap

Restricted public sector fund

PSSap is CSC's accumulation fund for eligible current and former Australian Government employees.

Membership

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.

Compare fees and investment returns

Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.

OneAnswer (OnePath): investment option18 published pathways. Check the exact product and employer plan; a shared fund name does not mean identical terms.PSSap: investment option6 published pathways. Check the exact product and employer plan; a shared fund name does not mean identical terms.Account balance for fee comparison

APRA product data to 30 June 2026
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.

How the products differ

OneAnswer (OnePath) and PSSap: product features and conditions
What to compare	OneAnswer (OnePath)	PSSap
Membership and access	Frontier accepts applications from people receiving its PDS in Australia, including applications submitted by a financial adviser. The usual minimum initial Personal Super investment is $2,000, or $1,000 with a Regular Investment Plan. Older OneAnswer Personal Super and pension products are closed to new members. Sources1 2 4	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. Sources1 2 3
Accounts and products	OneAnswer Frontier Personal Super and Pension, with separate notes for closed OneAnswer Personal Super and pension accounts. ANZ Smart Choice and Grow Wrap are outside this profile's numerical scope. OneAnswer Frontier Personal Super OneAnswer Frontier Pension OneAnswer Frontier transition-to-retirement pension Closed OneAnswer Personal Super, Allocated Pension and Term Allocated Pension accounts Sources1 4	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 Sources1 2 3
Investment choices	Frontier requires the applicant to select investment options. The trustee will not choose one and cannot proceed with an application that lacks a selection. ANZ Smart Choice MySuper figures reported under the same historical legal fund are not OneAnswer defaults. The range includes diversified and single-sector managed funds, OneAnswer index funds, MultiSeries portfolios combining active and passive investments, and ANZ Term Deposits. Auto-rebalancing and dollar-cost-averaging facilities can help administer a chosen mix, but they cannot be used together and do not apply to term deposits. Check the current investment guide and product notices for closures or strategy changes. Sources1 2 6	PSSap MySuper Balanced Members can choose among four investment options. The MySuper comparison applies to Balanced; it does not describe every PSSap account. Sources1 2 3
Insurance	The current Additional Information Guide says insurance is not available directly through Frontier Personal Super. A separate risk-only super insurance product may be payable using the Frontier account, with advice about the arrangement. An October 2025 notice removed OneCare Super references from the new-member documents. Existing members should check their actual policy and account, especially where an older OneAnswer product still holds group cover. Sources2 4 5	lifePLUS can provide death, total and permanent disability and income protection cover. Automatic cover depends on eligibility. Sources1 2 3
Retirement income	Frontier Pension offers an account-based pension and a transition-to-retirement pension. The initial pension minimum is $20,000. Payment choices include monthly, quarterly, half-yearly and annual intervals. An existing Term Allocated Pension is a different product with its own payment and withdrawal restrictions; it should not be treated as an ordinary Frontier pension. Sources2 4	CSCri is a separate retirement income product. Its fees and tax treatment need a separate comparison. Sources1 2 3
Advice and support	The product is designed to support an investment portfolio chosen with a financial adviser. An Adviser Service Fee is negotiated separately. Ask for the services and their cost in writing, including what happens to the investment strategy if ongoing advice ends. Sources2 3	This detail has not been verified for this profile. Check the current product documents.
Fee details to check	The December 2025 fee guide lists a $135.29 annual Member Fee for Personal Super and TTR accounts below the qualifying $50,000 balance, equivalent to $115 after the stated tax benefit. The ordinary pension Member Fee is $115. ANZ Term Deposits and ANZ Cash Advantage have special exclusions, and eligible linked Frontier accounts can request a waiver. A waived Member Fee does not remove investment costs: the selected fund's Ongoing Fee, other investment and transaction costs, any levies or expense recoveries, and advice still need to be included. Some June 2026 APRA externally directed OneAnswer rows contain zero total-cost entries at higher balances that conflict with the fee guide. Those entries should not be interpreted as a free investment account. Sources3 7	This detail has not been verified for this profile. Check the current product documents.
Comparing investment performance	Use the exact Frontier investment option, dates and return basis. The legal fund's historical reporting also includes other brands, so its overall result is not a OneAnswer portfolio return. Some options are trustee-directed and receive performance-test results; other externally directed options have no result in the package. An absent test result does not mean a pass or failure. Only OneAnswer Frontier Personal Super pathways are matched to this profile's APRA table. June 2026 figures retain Retirement Portfolio Service ABN 61808189263. They must not be relabelled as current ANZ Smart Choice data after a later transfer. The OneAnswer Investment Portfolio is an investment product outside super and is excluded from this comparison. Sources7	Use the same balance, investment risk and reporting date on both sides. Sources1 2 3

THE SUPERGURU VIEW

Our take on OneAnswer (OnePath)

Editorial assessment

OneAnswer is most useful to assess with the account name and investment list already in front of you. Frontier can accommodate an advised portfolio or a simpler index holding, but there is no default allocation to make that decision for you. For an existing member, the practical questions are what the full account costs, how insurance is arranged, and whether an older product has features a transfer would surrender.

Who might put it on their shortlist

People who want to choose managed investments within a super account, with a clear plan for their asset allocation.
Existing OneAnswer members comparing their exact legacy or Frontier terms before making a change.
Eligible members who want a pension offering connected to the Frontier investment range.

What deserves a closer look

Confirm the full product name. Frontier, older OneAnswer accounts, ANZ Smart Choice and Grow Wrap are not interchangeable.
A Member Fee waiver affects one charge; it does not establish a zero total cost.
Direct insurance is not part of the current Frontier offer. Confirm any separate insurance arrangement before moving an existing balance.
Current product updates can change a fund's name, strategy or availability; a saved investment list may be stale.

Sources3 5 6

Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.

THE SUPERGURU VIEW

Our take on PSSap

Editorial assessment

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.

Who might put it on their shortlist

Eligible government employees assessing an accumulation account.
Former eligible employees who want to keep contributing after changing employers.

What deserves a closer look

PSSap and PSS are different schemes. A decision involving a PSS defined benefit needs a separate benefit assessment.
Public sector employment does not automatically make every person eligible; participating-employer rules matter.

Sources1 2 3

Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.

Before choosing between OneAnswer (OnePath) and PSSap

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 OneAnswer (OnePath) profile · Read the full PSSap profile · Choose another comparison

Sources for OneAnswer (OnePath)

Checked 2026-09-11. Documents and product terms can change after this date.

Sources for PSSap

Checked 2026-09-11. Documents and product terms can change after this date.