Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
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.
Closed public sector scheme
PSS is a closed defined benefit scheme for eligible Australian Government employees.
Existing contributors and preserved members retain scheme-specific rights. Limited re-entry rules can apply when returning to eligible employment.
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 | 8.49% | Choose an option |
| 5-year return, per year | 5.59% | Choose an option |
| 7-year return, per year | 6.35% | Choose an option |
| 10-year return, per year | 7.00% | Choose an option |
| APRA strategic growth allocation | 75.75% | Choose an option |
| Reported total fees, net of tax, at $50,000 | $505 a year (1.01%) | Choose an option |
| Administration and advice costs, net of tax (included in total) | $235 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 | Prime Super | PSS |
|---|---|---|
| Membership and access | Serves members across several industries. Check the joining criteria and any employer-specific insurance arrangements in the current member guide. Sources1234 | Existing contributors and preserved members retain scheme-specific rights. Limited re-entry rules can apply when returning to eligible employment. Sources12 |
| Accounts and products | Superannuation and retirement income products. Sources1234 | Public Sector Superannuation Scheme. This is different from PSSap. PSS defined benefit Preserved benefit Eligible PSSap ancillary account Sources12 |
| Investment choices | 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 | Contributors use the default fund. Preserved members can choose Default or Cash for funded amounts. Sources12 |
| Insurance | The member guide describes insurance choices. Use the cover available under your employer or personal membership arrangement when comparing benefits. Sources1234 | Contributing members receive built-in death and invalidity cover, subject to scheme conditions. Sources12 |
| Retirement income | 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 | Eligible benefits may be paid as an indexed pension, a lump sum or a combination. Sources12 |
| Advice and support | 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 | This detail has not been verified for this profile. Check the current product documents. |
| Fee details to check | 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 | This detail has not been verified for this profile. Check the current product documents. |
| Comparing investment performance | 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 | Do not rank the defined benefit using accumulation investment returns. Sources12 |
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.
THE SUPERGURU VIEW
Contribution choices and retirement timing can matter more here than a published investment return. A benefit estimate tied to your employment history is the useful starting point.
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 Prime Super profile · Read the full PSS 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.