Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Retail investment platform
Praemium Super brings adviser-managed portfolios and direct investment choices into a superannuation account.
An adviser helps establish the account and select the appropriate investment arrangements.
Retail fund brand
Professional Super is aimed at students and young professionals, with a short investment menu and a conditional fee-rebate structure.
Current eligibility is set by the PDS and target market determination.
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 | Praemium Super | Professional Super |
|---|---|---|
| Membership and access | An adviser helps establish the account and select the appropriate investment arrangements. Sources123 | Current eligibility is set by the PDS and target market determination. Sources1234 |
| Accounts and products | Accumulation super, transition-to-retirement and pension. Sources123 | Professional Super accumulation. Sources1234 |
| Investment choices | The menu includes managed portfolios and direct investment choices. Availability, allocation limits and the operating cash balance are governed by the current investment guide. Sources123 | Balanced, Growth and High Growth. Sources1234 |
| Insurance | Insurance access is subject to the current PDS, application requirements and the chosen policy. Have the adviser explain the insurer and any underwriting before cancelling existing cover. Sources123 | Insurance terms are in the product guides. Check whether the chosen cover is suitable for hours worked, occupation and income. Sources1234 |
| Retirement income | Members can use transition-to-retirement or pension accounts when eligible, with investment and withdrawal arrangements set for that account. Sources123 | The reviewed sources do not establish a dedicated pension product. It is mainly an accumulation comparison. Sources1234 |
| Advice and support | This is an advised platform. Ongoing portfolio advice is a separate service that should have a clear scope and price. Sources123 | Member services provide support; a personal recommendation requires the appropriate advice service. Sources1234 |
| Fee details to check | Compare the combined platform, portfolio, investment, transaction and advice charges at your balance. Cash holdings and the particular menu selections affect the calculation. Sources123 | The fee rebate depends on receiving a contribution into the account at least every 12 months. Compare both the discounted cost and the cost if eligibility ends. Sources1234 |
| Comparing investment performance | Use the record for the actual portfolio. Praemium's platform capabilities do not supply a single investment return for all members. Sources123 | Compare the selected risk option rather than assuming a product designed for younger people always means the highest-growth portfolio. Sources1234 |
THE SUPERGURU VIEW
May suit an advised investor who wants more control over portfolio composition and reporting.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
Worth reviewing for a student or early-career worker if the rebate and product terms fit their actual contribution pattern.
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 Praemium Super profile · Read the full Professional 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.