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.

  • MySuper Gold
  • Infinity Recognised
Fund data valid as of July 31, 2017

Typical Fees

Balance This Fund Industry Average Difference
5k $147 $154 -$7
50k $651 $612 $39
100k $1,211 $1,127 $84

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 25,731
Total Assets $1,288,811,182
Year Started 2013
Target Market Christian Community
Offered to Public? Yes
Fund Type Industry-MySuper

Fund Highlights - provided by Christian Super - MyEthicalSuper

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 2016 FY 2015 FY 2014 FY 2013 FY 2012 Comparison
Balanced 0.08%
  • 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 30/06/2016, 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 their members' money in accordance with Biblical guidelines by incorporating values of openness, fairness and equality. The Fund continues to demonstrate excellent environmental and social principles and has received the Infinity Award for 2017.

The Fund's default MySuper offering is the MyEthicalSuper investment option. Developed using their own ethically directed charter, choice members have access to a further four investment strategies. The default MyEthicalSuper option has returned below the SuperRatings Index over the long term.

Fees are rated average for the MyEthicalSuper fund and consist of a flat dollar amount and percentage based fee. Members are charged exit fees, however no switching fees or buy-sell spreads 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 assessment after 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.