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What the Researchers Say:

A "good value for money" superannuation fund that is strong in nearly all assessment areas but with average features and/or performance in one or more of our assessment criteria.
You should contact your financial adviser or this fund before making an investment decision.

  • Gold
  • Infinity Recognised
Awards
Fund data valid as of May 31, 2016

Typical Fees

Balance This Fund Industry Average Difference
50k $651 $707 -$56
250k $2,891 $3,049 -$158
500k $5,691 $5,783 -$92

Investment Allocation

Intl shares 27.0%
Aus shares 27.0%
Property 10.0%
Alternative 18.0%
Fixed interest 18.0%

Fees & Charges

Membership Fee $91
Asset Admin Fee 0.20%
Investment Fee 0.92%
Switching Fee $0
Exit Fee $52
Account Size Discount No
Employer Size Discount N/A

Fund Features

Financial Planning Service
Health Insurance
Home Loans
Credit Cards
Binding Nominations
Non-lapsing Binding Nominations
Insurance Life Event Increases
Anti-detriment Payments
Long Term Income Protection

About this Fund

Membership 25,298
Total Assets $1,047,553,691
Year Started 2003
Target Market
Offered to Public?
Fund Type Industry-Allocated Pension

Fund Highlights - provided by Christian Super Pension

Ethical and sustainable investments (UNPRI Signatory).
Certified by the Ethical Investment Association signifying the funds adherence to Socially Responsible Investment (SRI) disclosure practices.
Low fees.
Strong communication and customer care.
Values-aligned investing (Microfinance, social infrastructure, renewable energy etc).
Purposeful retirement seminars.
Peer recognition (Sustainable Fund of the Year 2008, Infinity Award 2010, 2013).

Investment Option Performance

Asset Allocation Category FYTD FY 2015 FY 2014 FY 2013 FY 2012 FY 2011 Comparison
Balanced 4.48%
8.98%
13.11%
18.85%
-0.65%
8.69%
Fund
Benchmark
High Growth 3.38%
3.50%
11.38%
13.21%
16.79%
17.79%
26.32%
22.59%
-4.98%
-3.09%
9.49%
11.80%
Fund
Benchmark
Conservative Balanced 4.34%
3.85%
7.37%
8.25%
10.62%
11.01%
14.19%
12.60%
1.75%
3.18%
8.46%
9.13%
Fund
Benchmark
Capital Stable 4.22%
3.63%
6.64%
6.35%
9.16%
8.17%
10.93%
9.14%
4.38%
4.79%
7.94%
7.97%
Fund
Benchmark
Cash 2.15%
2.08%
2.80%
2.61%
3.30%
2.78%
4.25%
3.48%
5.33%
4.76%
5.38%
5.05%
Fund
Benchmark
  • Legend:
  • Outperformed average
  • Underperformed average
  • Negative returns

Annualised figures are the average per year returns of the rated option based on the cumulative returns for the past 5 years to 30/06/2015, past performance is not a reliable indicator of future performance. Performance and fee data is based on the option which is rated by SuperRatings and stated on each product's landing page.

Benchmark investment information - how performance is measured

To ensure comparability for consumers, the RateCity superannuation comparison is based on the asset allocation of each of the MySuper/Pension products, irrespective of the name of the investment option. This methodology allows consumers to compare products on a like for like basis and removes any ambiguities associated with the name of the investment option. For example, an investment option may be classified as growth, however its asset allocation may in fact mean it should be classified as high growth. By using the asset allocation as the dominant identifier, we believe this provides the most robust framework for consumers to compare funds and recognise that this is a consistent approach to that of SuperRatings methodology.

Option Type Percentage of Growth Assets
min-max %
High Growth 91-100%
Growth 77-90%
Balanced 60-76%
Conservative Balanced 41-59%
Capital Stable 20-40%
Secure 0-19%

What the researchers say

Christian Super prides itself on managing its members' money in accordance with Biblical guidelines incorporating values of openness, fairness and equality. The Fund continues to demonstrate excellent environmental and social principles and was Infinity Recognised in 2015.

Established in 2003 and open for all to join, Christian Super Pension provides an income stream for retirees as well as people wishing to supplement their income as they move into retirement.

Using their own ethically directed charter, the fund offers a relatively simple investment menu consisting of five options. The default option has underperformed the SuperRatings Index over the longer term.

Fees are lower than the industry average across all account balances assessed, but members are charged for lump sum withdrawals. No switching fees apply, however, there is a restriction whereby members can only invest in one option at a time.

Members have the option to receive pension payments either fortnightly, monthly, quarterly, half yearly or yearly. Death benefit options include binding, non-binding nominations and a reversionary pension, while a full financial planning service on a fee-for-service basis is also available.


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