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Fees and costs

We only charge our customers the fees necessary to operate the fund.

Transparent fees

What matters to us is that the cost of managing your super is more than compensated with robust, strong net returns; and that your wealth is less vulnerable to market conditions up to the time you retire.
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This section contains:

Ongoing annual fees and costs

Administration fees and costs

All super funds charge Administration fees. At CSC we’re committed to keeping our fees affordable for all our members. CSC as a profit for member fund invests 100% of your Administration fees in the products and services we provide to you, our members. Administration fees cover operating costs, such as: the cost of running the call centre, and the types of enhancements members should expect across our products, services, and guidance, now and into the future, to aid you in optimising your retirement income.

  • $4 per month

    • Charged monthly in arrears. Deducted from your super account at the beginning of the next month.
    • This fee is charged on a pro-rata basis, e.g. if you were not a member for the full month, you will be charged based on the number of days you were a member and not the full monthly fee.

  • 0.05% of your account balance per year capped at $21 per month

    • Charged monthly in arrears. Deducted from your super account at the beginning of the next month.
    • The monthly asset-based administration fee is calculated using the average of your account balance at the beginning of the month, and at the end of the month.
    • This fee is charged on a pro-rata basis, e.g. if you were not a member for the full month, you will be charged based on the number of days you were a member and not the full monthly fee.

  • 0.00% p.a.

    • Paid from administration reserves.
    • These costs are not directly charged to your account but have reduced the reserve balance held by the Fund to cover future administration costs.
    • These costs are based on the costs deducted from the reserve in the 2023–24 Financial Year. The actual amount will change from year to year and may be different to the amounts shown.

Investment fees and costs

Investment fees and costs include the fees we pay to our investment managers including investment-related costs and fees, and performance fees.
Investment option % per Annum
Cash 0.12%
Income Focused 0.54%
MySuper Balanced (Default) 0.69%
Aggressive 0.56%
  • Not deducted directly from your account.
  • Paid from the pool of investments/assets related to each investment option.
  • Reflected in the earning rates of each investment option, which is published each business day.
  • The total estimated Investment fees and costs are based on actual and estimated costs incurred during the 2023–24 Financial Year.
   

Transaction costs

There are transaction costs associated with each investment option. These include things like brokerage fees; settlement and clearing costs; selling costs or stamp duty on asset transactions, e.g. selling or purchasing property, infrastructure investments, or private equity investments.
Investment option % per Annum
Cash 0.00%
Income Focused 0.05%
MySuper Balanced (Default) 0.08%
Aggressive 0.08%
  • Not deducted directly from your account.
  • Paid from the pool of investments/assets related to each investment option.
  • Reflected in the earning rates of each investment option, which is published each business day.
  • The total estimated transaction costs are based on actual and estimated costs incurred during the 2023–24 Financial Year.
 

Member activity related fees and costs

Buy-sell spread
A buy-sell spread is charged on the basis of the difference between the buy and sell price of units. For more information on unit prices see Performance.
Investment Option Buy spread Sell spread 
Cash 0.00% 0.00%
Income Focused 0.00% 0.09%
MySuper Balanced (Default) 0.00% 0.13%
Aggressive 0.00% 0.14%

Deducted from your account when you buy or sell units (this is what happens when you transfer money in or out, contribute to or withdraw from your super account or switch investments, or when we deduct fees).

The above buy/sell spreads for ADF Super are effective from 23 September 2024. The table may be updated from time to time.

 

 

Other fees and costs

Advice fees

As part of your ADF Super membership you have access to simple advice at no extra cost to you. This advice is designed to help answer some commonly asked questions like; whether you have the right level of insurance or how you should be investing your super.

For more information, see Financial Planning.

A detailed explanation of all fees and costs associated with your membership can be found in the fees and costs booklet.

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Your ADF Super fees and costs

This document outlines the fees and costs that you may be charged. It forms part of the ADF Super Product Disclosure statement.

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