Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
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.
Retail fund brand
Virgin Money Super is a Mercer Super Trust product with an age-based LifeStage Tracker default and index-oriented choices.
Public membership under the Virgin Money product rules.
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 | Team Super | Virgin Money Super |
|---|---|---|
| Membership and access | 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 | Public membership under the Virgin Money product rules. Sources1234 |
| Accounts and products | Superannuation, pre-retirement pension and account-based pension. Sources12345 | Virgin Money Super. Sources1234 |
| Investment choices | 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 | LifeStage Tracker changes the asset mix with age. Choice investments include diversified and sector index strategies and Cash. Sources1234 |
| Insurance | 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 | Automatic and tailored cover are available subject to eligibility. Premiums and a separate insurance cost-recovery charge apply. Sources1234 |
| Retirement income | Both pre-retirement and account-based pensions are available, with their own investment and fee disclosures. Sources12345 | The reviewed super pages do not establish a dedicated Virgin Money pension account; check the intended retirement-income pathway. Sources1234 |
| Advice and support | 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 | Member support can explain the product. Ask which personal advice services are available and what they cost. Sources1234 |
| Fee details to check | 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 current fee page separates a $58 annual fixed administration fee, a balance-based administration charge, administration costs, option fees and transaction costs. A low investment fee is not a low total fee by itself. Sources1234 |
| Comparing investment performance | 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 | Compare the correct LifeStage cohort or selected option, including all relevant costs. Sources1234 |
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.
THE SUPERGURU VIEW
Worth comparing for someone seeking that default structure or who can use the product's specific benefits.
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 Team Super profile · Read the full Virgin Money 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.