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.
Retail fund
iQ Super combines an age-based default with a sizeable menu of active, indexed and low-carbon investments.
For Life and employer-based arrangements have their own product terms.
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 | Choose an investment option |
|---|---|---|
| Return basis | MySuper net return after administration costs, $50,000 representative member | Choose an option |
| 3-year return, per year | 9.74% | Choose an option |
| 5-year return, per year | 6.77% | Choose an option |
| 7-year return, per year | 7.10% | Choose an option |
| 10-year return, per year | 7.57% | Choose an option |
| APRA strategic growth allocation | 69.06% | Choose an option |
| Reported total fees, net of tax, at $50,000 | $455 a year (0.91%) | Choose an option |
| Administration and advice costs, net of tax (included in total) | $75 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 | PSSap | Russell Investments iQ 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 | For Life and employer-based arrangements have their own product terms. Sources123 |
| 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 | iQ Super and iQ Retirement. Sources123 |
| 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 | GoalTracker is the age-based MySuper default. The menu also includes diversified, sector, responsible and third-party indexed options. Sources123 |
| Insurance | lifePLUS can provide death, total and permanent disability and income protection cover. Automatic cover depends on eligibility. Sources123 | Insurance applications and terms differ by membership and employer plan. Sources123 |
| Retirement income | CSCri is a separate retirement income product. Its fees and tax treatment need a separate comparison. Sources123 | iQ Retirement includes pension and transition-to-retirement arrangements. Sources123 |
| Comparing investment performance | Use the same balance, investment risk and reporting date on both sides. Sources123 | GoalTracker changes exposure with age. Compare the correct stage and use the same fee basis as the competing option. Sources123 |
| Advice and support | This detail has not been verified for this profile. Check the current product documents. | Member resources include retirement support and advice; confirm the scope and fee for your request. Sources123 |
| Fee details to check | This detail has not been verified for this profile. Check the current product documents. | Use the PDS and plan booklet for the precise iQ product. Employer pricing must not be assigned to every iQ member. Sources123 |
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
A useful candidate for someone who wants Russell's investment range or an employer plan with negotiated terms.
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 Russell Investments iQ 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.