Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Closed public sector schemes
State Super administers closed NSW public sector schemes with benefits based partly or wholly on scheme formulas.
These schemes serve existing and deferred members and pensioners. SSS closed in 1985; the Police scheme in 1988; SASS in 1992.
Industry fund
Team Super is the fund formed from Mine Super and TWUSUPER. Its specialist focus is transport, energy and mining.
The fund serves workers in its core industries and other eligible members. Former Mine and TWUSUPER members should check their current division and insurance documents.
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 | State Super NSW | Team Super |
|---|---|---|
| Membership and access | These schemes serve existing and deferred members and pensioners. SSS closed in 1985; the Police scheme in 1988; SASS in 1992. Sources12 | The fund serves workers in its core industries and other eligible members. Former Mine and TWUSUPER members should check their current division and insurance documents. Sources12345 |
| Accounts and products | SASS, SSS, Police Superannuation Scheme and SANCS. Scheme-specific identifiers apply. SASS SSS Police Superannuation Scheme SANCS Sources12 | Superannuation, pre-retirement pension and account-based pension. Sources12345 |
| Retirement income | Benefits can depend on salary, service and historical membership provisions. Sources12 | Both pre-retirement and account-based pensions are available, with their own investment and fee disclosures. Sources12345 |
| Comparing investment performance | Keep SASS, SSS and NSW Police PSS distinguishable in search and comparison labels. Sources12 | Read the option history carefully around the merger and any strategy changes. A long record can include a predecessor portfolio and is not automatically the record of every former TWUSUPER option. Sources12345 |
| Investment choices | This detail has not been verified for this profile. Check the current product documents. | Pre-mixed and single-asset options let members build their own mix. Pension and super defaults follow the rules for their particular account, rather than a single default being suitable for every member. Sources12345 |
| Insurance | This detail has not been verified for this profile. Check the current product documents. | Insurance divisions reflect the industries the fund serves. The merger included premium and definition changes, so a pre-merger quote is not enough to compare current cover. Sources12345 |
| Advice and support | This detail has not been verified for this profile. Check the current product documents. | Team offers a complimentary initial appointment. Advice on how the account is invested is available at no extra cost; other personal advice has separate fees. Sources12345 |
| Fee details to check | This detail has not been verified for this profile. Check the current product documents. | The merger page advertises a fixed super administration charge of 75 cents a week. Add any percentage administration charge, investment costs, transaction costs and insurance from the current super PDS. Pension fees use a different schedule. Sources12345 |
THE SUPERGURU VIEW
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.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
A relevant comparison for workers whose occupation makes insurance definitions, exclusions and claims support especially important.
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 State Super NSW profile · Read the full Team 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.