Advertisement
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 July 31, 2016

Typical Fees

Balance This Fund Industry Average Difference
5k $147 $156 -$9
50k $651 $627 $24
100k $1,211 $1,155 $56

Investment Allocation

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

Fees & Charges

Administration Fee ($) $91
Administration Fee (%) 0.20%
Investment Fee 0.92%
Switching Fee $0
Exit Fee $52
Account Size Discount No
Employer Size Discount No

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 25,218
Total Assets $1,133,742,160
Year Started 1984
Target Market Christian Community
Offered to Public? Yes
Fund Type Industry-Public Offer

Fund Highlights - provided by Christian Super

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 (Internal Call Centre).
Values-aligned investing (Microfinance, social infrastructure, renewable energy etc).
Cost effective insurance offering.
Financial Education Materials and Fact Sheets.

Investment Option Performance

Asset Allocation Category FYTD FY 2015 FY 2014 FY 2013 FY 2012 FY 2011 Comparison
Balanced 2.32%
2.65%
2.65%
2.81%
8.32%
9.60%
11.70%
12.66%
16.45%
14.73%
1.03%
0.45%
Fund
Benchmark
High Growth 3.40%
3.67%
0.44%
0.68%
11.06%
11.66%
15.67%
15.76%
24.28%
20.40%
-3.75%
-3.15%
Fund
Benchmark
Conservative Balance 1.70%
2.01%
3.27%
2.82%
6.83%
7.28%
9.62%
9.64%
12.78%
11.26%
2.16%
1.87%
Fund
Benchmark
Capital Stable 1.28%
1.32%
3.46%
3.36%
5.98%
5.66%
8.19%
7.34%
9.74%
8.29%
4.24%
4.06%
Fund
Benchmark
Cash 0.16%
0.16%
2.03%
1.90%
2.40%
2.25%
2.83%
2.42%
3.65%
2.94%
4.57%
4.04%
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

Open to the general public, 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.

Using their own ethically directed charter, the investment menu consists of five options. The default MyEthicalSuper option has equaled the SuperRatings Index over the longer term.

Fees are rated average across all account balances. Members are also charged a higher than average exit fee, however no switching fees apply.

Christian Super members have access to a full suite of insurance and although choice is limited, premiums are reasonably competitive overall. The fund offers reasonable automatic acceptance limits (including Income Protection cover) and members can apply for additional units of cover without a medical based on certain life stage events.

A full financial planning service on a fee-for-service basis is also available. The fund's website is informative and provides secure online access for both members and employers.


Other Funds Promoted