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Profits go back to you

Join an Industry SuperFund

Service you expect, care you deserve
 

At CareSuper, we're run only to benefit our members, not shareholders. That's just one of the perks of being with an Industry SuperFund.

industry superfund memebership

 

What does it mean?

An Industry SuperFund is run only to benefit members, has low fees and doesn’t pay commissions to financial planners.

 

Industry SuperFunds were originally set up to look after the super and retirement needs of people in specific industries, protecting them from high fees and commissions. Now all Australians can join, no matter what industry you work in.

 

 

Why we’re proud to be an Industry SuperFund

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We exist to benefit you​

Our members’ best interests are at the heart of everything we do. As an Industry SuperFund, we’re run to benefit you and not external shareholders. This means profits are returned to the fund and our members, instead of being paid out as dividends as is the case with retail super funds (typically run by banks and investment companies).

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A history of strong performance

We have a history of strong investment returns1 and make active investment choices, hunting for the best opportunities with the aim to maximise your returns.

On average, Industry SuperFunds have out-performed retail super funds over the past five, 10 and 20 years3. This means better value, better returns and more super for you.

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Competitive fees, insurance options and quality service

A key benefit of Industry SuperFunds is their low fees, while still providing long-term performance, high quality, professional advice, a range of investment choices and insurance options.

We aim to keep our fees as competitive as possible and provide truly personalised, award-winning customer service1.

We also offer affordable and flexible insurance to protect you and your family.


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Financial planners working in your best interests

Super can be complicated. That’s why we offer education and advice from our super experts, available at no extra cost to you — it’s included in the administration fees and costs charged to your account.

As an Industry SuperFund, we only charge what we need to and we don’t charge you to profit shareholders. Our Superannuation Advisers are our employees, so they’re paid a salary. They don’t receive any fees or commissions for any personal or general advice provided to you.

 

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What our members say+

 "What I like about CareSuper is that I feel that they are ethical and trust worthy."
 "I feel that I'm engaged by the fund, I get regular updates about different topics and invites to events, I'm very happy." 
 "I just really love that CareSuper puts us first."

1. Past performance isn’t a reliable indicator of future performance

2. https://www.industrysuper.com/campaigns/compare-the-pair/

3.  CareSuper (Spirit Super) was ranked in the top 3 in super in super by Customer Service Benchmarking Australia (CSBA) for the period January 2024 to December 2024. We have an agreement with CSBA for quality assurance and staff training within our contact centre. Awards and ratings are only one factor when deciding how to invest your super. Read about the award methodology. 

+The opinions expressed are those of the member and do not necessarily reflect CareSuper's policies or opinions.