Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
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.
Restricted public sector fund
Super SA provides South Australian public sector schemes with different tax rules, including Triple S and Super SA Select.
Eligibility depends on SA public sector employment or an eligible existing-member relationship. Some spouses can join Triple S. Limited access to Select continues for qualifying members working outside the SA Government.
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 | PSS | Super SA |
|---|---|---|
| Membership and access | Existing contributors and preserved members retain scheme-specific rights. Limited re-entry rules can apply when returning to eligible employment. Sources12 | Eligibility depends on SA public sector employment or an eligible existing-member relationship. Some spouses can join Triple S. Limited access to Select continues for qualifying members working outside the SA Government. Sources1234 |
| Accounts and products | Public Sector Superannuation Scheme. This is different from PSSap. PSS defined benefit Preserved benefit Eligible PSSap ancillary account Sources12 | Triple S and Super SA Select. Closed defined benefit and retirement products need separate assessments. Triple S Super SA Select Flexible Rollover Product Super SA Income Stream Sources1234 |
| Investment choices | Contributors use the default fund. Preserved members can choose Default or Cash for funded amounts. Sources12 | Balanced for Triple S Triple S has nine options, including indexed, diversified and Cash choices, on the current official product page. Select has its own menu. Sources1234 |
| Insurance | Contributing members receive built-in death and invalidity cover, subject to scheme conditions. Sources12 | Triple S provides eligible members with death, TPD and income protection. Select members retain their insurance through Triple S. Sources1234 |
| Retirement income | Eligible benefits may be paid as an indexed pension, a lump sum or a combination. Sources12 | This detail has not been verified for this profile. Check the current product documents. |
| Comparing investment performance | Do not rank the defined benefit using accumulation investment returns. Sources12 | Separate Triple S from Select and avoid comparing pre-tax and after-tax balances as if they were equivalent. Sources1234 |
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.
THE SUPERGURU VIEW
Tax timing is central to this comparison. Triple S can show a balance that still contains tax payable when money leaves. Compare the spendable retirement outcome, including any rollover tax, alongside fees and investments.
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 PSS profile · Read the full Super SA 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.