Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Restricted public sector fund
PSSap is CSC's accumulation fund for eligible current and former Australian Government employees.
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.
Industry fund
REI Super is built around real estate and property work, including the insurance needs of people paid by commission. Membership is open beyond that industry.
Anyone can join, including people outside real estate, subject to the product rules. Industry membership is not a requirement.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
| Measure | PSSap MySuper | Rei Super MySuper |
|---|---|---|
| Return basis | MySuper net return after administration costs, $50,000 representative member | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | 9.74% | 8.45% |
| 5-year return, per year | 6.77% | 5.61% |
| 7-year return, per year | 7.10% | 6.28% |
| 10-year return, per year | 7.57% | 6.45% |
| APRA strategic growth allocation | 69.06% | 73.25% |
| Reported total fees, net of tax, at $50,000 | $455 a year (0.91%) | $480 a year (0.96%) |
| Administration and advice costs, net of tax (included in total) | $75 a year | $120 a year |
| 2026 performance test | Pass | Pass |
| New-member status at reporting date | Check the current product eligibility rules | Check the current product eligibility rules |
At $50,000, the reported annual total-cost difference is $25. PSSap's selected reporting pathway has the lower reported cost on this measure. The figures cover the year to June 2026; current prices, insurance and separately charged advice can change the comparison.
The growth allocations are 69.06% and 73.25%. A return gap can reflect different exposure to growth assets, and similar headline allocations can still contain different investments.
A performance-test pass is a benchmark result for the tested product or pathway. It is not an endorsement or a guarantee of future performance.
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 | PSSap | REI Super |
|---|---|---|
| Membership and access | 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. Sources123 | Anyone can join, including people outside real estate, subject to the product rules. Industry membership is not a requirement. Sources1234 |
| Accounts and products | 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 Sources123 | Superannuation, transition-to-retirement and pension accounts. Sources1234 |
| Investment choices | PSSap MySuper Balanced Members can choose among four investment options. The MySuper comparison applies to Balanced; it does not describe every PSSap account. Sources123 | Diversified and sector-specific investment options. Members can select their own investment mix. Sources1234 |
| Insurance | lifePLUS can provide death, total and permanent disability and income protection cover. Automatic cover depends on eligibility. Sources123 | Death, TPD and income protection are available, depending on age and employment status. The fund specifically describes insurance for commission-based salaries. Sources1234 |
| Retirement income | CSCri is a separate retirement income product. Its fees and tax treatment need a separate comparison. Sources123 | The default pension strategy combines Balanced and Cash and rebalances the allocation by age. The Cash allocation funds nearer-term income needs, while Balanced retains growth exposure. Sources1234 |
| Comparing investment performance | Use the same balance, investment risk and reporting date on both sides. Sources123 | Super and pension performance are published separately. Compare current returns across a shared date range and similar exposure to growth assets. Sources1234 |
| Advice and support | This detail has not been verified for this profile. Check the current product documents. | Members can access financial advice, including help with investment choice and retirement. Check the scope and cost of the service requested. Sources1234 |
| Fee details to check | This detail has not been verified for this profile. Check the current product documents. | Use the current schedule for super or pension and the chosen investment option. Compare any insurance quote using the same definition of commission income. Sources1234 |
THE SUPERGURU VIEW
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.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
Worth investigating for real estate salespeople and property professionals whose earnings pattern makes an ordinary salary-based insurance comparison incomplete.
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 PSSap profile · Read the full REI 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.