Russell Investments iQ Super
Retail fund
iQ Super combines an age-based default with a sizeable menu of active, indexed and low-carbon investments.
Membership
For Life and employer-based arrangements have their own product terms.
Russell Investments iQ Super vs State Super NSW
Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
State Super NSW
Closed public sector schemes
State Super administers closed NSW public sector schemes with benefits based partly or wholly on scheme formulas.
Membership
These schemes serve existing and deferred members and pensioners. SSS closed in 1985; the Police scheme in 1988; SASS in 1992.
Compare fees and investment returns
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
Choose an investment option to see the figures
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.
How the products differ
| What to compare | Russell Investments iQ Super | State Super NSW |
|---|---|---|
| Membership and access | For Life and employer-based arrangements have their own product terms. Sources123 | These schemes serve existing and deferred members and pensioners. SSS closed in 1985; the Police scheme in 1988; SASS in 1992. Sources12 |
| Accounts and products | iQ Super and iQ Retirement. Sources123 | SASS, SSS, Police Superannuation Scheme and SANCS. Scheme-specific identifiers apply. SASS SSS Police Superannuation Scheme SANCS Sources12 |
| Investment choices | GoalTracker is the age-based MySuper default. The menu also includes diversified, sector, responsible and third-party indexed options. Sources123 | This detail has not been verified for this profile. Check the current product documents. |
| Insurance | Insurance applications and terms differ by membership and employer plan. Sources123 | This detail has not been verified for this profile. Check the current product documents. |
| Retirement income | iQ Retirement includes pension and transition-to-retirement arrangements. Sources123 | Benefits can depend on salary, service and historical membership provisions. Sources12 |
| Advice and support | Member resources include retirement support and advice; confirm the scope and fee for your request. Sources123 | This detail has not been verified for this profile. Check the current product documents. |
| Fee details to check | Use the PDS and plan booklet for the precise iQ product. Employer pricing must not be assigned to every iQ member. Sources123 | This detail has not been verified for this profile. Check the current product documents. |
| Comparing investment performance | GoalTracker changes exposure with age. Compare the correct stage and use the same fee basis as the competing option. Sources123 | Keep SASS, SSS and NSW Police PSS distinguishable in search and comparison labels. Sources12 |
THE SUPERGURU VIEW
Our take on Russell Investments iQ Super
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.
THE SUPERGURU VIEW
Our take on State Super NSW
The scheme name and membership history matter more than the State Super umbrella brand. Obtain an estimate under your own rules before comparing a pension or lump sum with another retirement arrangement.
Who this profile is for
- Existing NSW State Super members assessing their entitlements.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
Before choosing between Russell Investments iQ Super and State Super NSW
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 Russell Investments iQ Super profile · Read the full State Super NSW profile · Choose another comparison
Sources for Russell Investments iQ Super
Checked 2026-09-11. Documents and product terms can change after this date.
Sources for State Super NSW
Checked 2026-09-11. Documents and product terms can change after this date.