Why CSC?

We are your guide. Trusted by the Australian Government and Defence Force for 100 years, because we deliver where it matters most.

Long term performance

Though retirement feels ages away, we’re here for the long haul – building a retirement you can look forward to.

How we perform

Super secure

We’re guardians of your financial future. We invest in high quality assets to grow and protect your savings.

Risk management

Pioneering sustainability

We invest your money in a way that contributes to a better future for everyone.

Sustainability
Our goal is to deliver better retirement outcomes. As one of Australia’s first super funds, we’ve partnered with millions of Australians to grow their savings for retirement.
We know what you want from your super fund: service that puts you first and investment that grows your money while contributing to a better future for your retirement.

 

super ratings logo  15 year performance award  gold 2021 performance award  platinum 2021 award  platinum 2021 award  platinum 2021 award

We invest differently better, and you benefit

  • Our investment experts build genuine quality investment portfolios to reliably grow your super over the long term, and help you recover from any setbacks.
  • We hunt for untapped opportunities, so you can enjoy early mover advantages and realise profits before others crowd in.
  • We protect against potential risks that could erode your portfolio’s value – safeguarding your savings from what you can’t see.
  • Because we’re not-for-profit, returns go to you.

How we invest

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Young woman shopping at vegetable market

Pioneering sustainable investing

  • Yes, you can save for retirement by investing in ways that contribute positively to the environment and the community.
  • We go further than ethical investment– all our investments are assessed against environmental, social and governance risks and opportunities.
  • We’ve been recognised globally for our innovation and early adoption of sustainable investment.

Ethical investment

Here for you

  • We’ve been doing this for 100 years, so we understand and serve our customers like no one else can.
  • We aim to make the complex simple and support you every step of the way.
  • We’re always improving – making sure we have the capability to meet your changing needs as we grow your savings.
  • When you give us feedback, we listen and act – your voice helps us improve how we serve you.
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We exist to create a comfortable retirement for you.

PSSap logo

PSSap is available for new Australian Government employees.

 

Get started with PSSap

 

 

ADF Super Logo

ADF Super is available for new recruits to the Australian Defence Force.

 

Get started with ADF Super

 

 

We go further than ethical investment

We understand the importance of investing ethically – for our customers, for ourselves, for our future. We also honestly appreciate the complexity of measuring and improving genuine ethical impact.

Because one person’s ethics may differ from another’s, we focus objectively on sustainable investment opportunities that contribute to a better future – for you, your retirement and the world.

Sustainable, accountable business practices are reflected in value and goodwill (also known as ‘intangible capital’) and contribute to more sustainable economic growth. We support those practices. And practise them ourselves.

What is done to create growth today has implications for the quality of our growth tomorrow. Our investment portfolio contributes to building a better future. 



investor award

Proud winners of the Asian Investor Institutional Excellence award for environmental, social, governance (ESG) engagement in 2020.

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Why choose CSC?

We get it – you want to know how we compare to other funds so you can be confident you’re making the right choice for your future. There’s a lot to consider – investment strategy, customer service, fees, insurance, your risk profile, and more.

We have funds for Australian Government employees and members of the Australian Defence Force.

Select your employer for the information relevant to your future.

PSSap logo

Starting work for an Australian Government employer?

Get started with PSSap


Investment returns

We take investment performance seriously. Our goal is to generate robust and very competitive returns for the least amount of risk required.  

Compared with other funds, we generally have fewer or smaller losses when markets are falling. Importantly, we still make a large share of the gains when markets rise. In short, you could say we manage investment risk really well.  

Read more about Our Investment Philosophy.

When you’re comparing funds, it’s important to look at lifetime performance, not just short-term results over 1, 3 or 5 years. You’ll be saving for retirement for your whole career, after all.
Fund performance rankings vary a lot depending on short term market fluctuations, which is why it’s important to view your investments over your lifetime. We’ve got more about this in our Investment series.            

 

But, if you still really want the numbers, our aggressive investment option (one you might choose if you’re early in your career) has performed in the top ten funds for the last 3, 5, 10 and 15 years1.


Transparent fees

Let’s keep it simple. We're non-profit and only charge the fees necessary to operate the fund. This means significant net benefit for your savings, and more in your account for retirement.

PSSap Fees

Administration fee $7 per month ($84 per year)
   
Buy-sell spread   
Cash 0%
Income Focused  0.145%
MySuper Balanced 0.15%
Aggressive 0.15%

The buy-sell spread is the estimated cost of buying or selling the assets of your investments. When you make a transaction, like adding or withdrawing money or changing your investments, this percentage will be deducted from you account balance.

 
Investment fees and costs*
Cash 0.05%
Income Focused 0.68%
MySuper Balanced 0.83%
Aggressive 1.02%
*Investment fees and costs may include an amount of 0-0.37% for performance fees.
   
Transaction costs**  
Cash 0.00% 
Income Focused 0.05%
MySuper Balanced  0.09%
Aggressive 0.13%
**Not deducted directly from your account. Paid from or reduces the amount of investment returns or assets related to each investment option.

 

We've got you covered

Sometimes the unexpected happens, and we’re here for you if it does.

We offer two types of cover – lifePLUS auto and lifePLUS choice. Both include Income Protection and Death and Total and Permanent Disability insurance (TPD).

lifePLUS auto

If you’re eligible when you join CSC, you can take up lifePLUS auto cover. Factors like your age and account balance determine if you have to opt in or if your cover is turned on automatically.

lifePLUS choice

Maybe you're not eligible for lifePLUS auto or you'd like more or less cover. If so, then you may like to apply for lifePLUS choice.

Live life without worry, knowing we’ve got you covered.


Need more info? We're here to help.

Request a call from our team or email us your questions.

Contact us

ADF-Super-Monogram

Joining the Australian Defence Force?

Get started with ADF Super


Investment returns

We take investment performance seriously. Our goal is to generate robust and very competitive returns for the least amount of risk required.  

Compared with other funds, we generally have fewer or smaller losses when markets are falling. Importantly, we still make a large share of the gains when markets rise. In short, you could say we manage investment risk really well.

Read more about Our Investment Philosophy.

When you’re comparing funds, it’s important to look at lifetime performance, not just short-term results over 1, 3 or 5 years. You’ll be saving for retirement for your whole career, after all.

Fund performance rankings vary a lot depending on short term market fluctuations, which is why it’s important to view your investments over your lifetime. We’ve got more about this in our Investment series.

But, if you still really want the numbers, our aggressive investment option (one you might choose if you’re early in your career) has performed in the top ten funds for the last 3, 5, 10 and 15 years1.


Transparent fees

Let’s keep it simple. We're non-profit and only charge the fees necessary to operate the fund. This means significant net benefit for your savings, and more in your account for retirement.

ADF Super Fees

Administration fee $7 per month ($84 per year)
   
Buy-sell spread   
Cash 0%
Income Focused  0.145%
MySuper Balanced 0.15%
Aggressive 0.15%

The buy-sell spread is the estimated cost of buying or selling the assets of your investments. When you make a transaction, like adding or withdrawing money or changing your investments, this percentage will be deducted from your account balance.

 
Investment fees and costs*
Cash 0.05%
Income Focused 0.69%
MySuper Balanced 0.84%
Aggressive 1.03%
*Investment fees and costs may include an amount of 0-0.37% for performance fees.
   
Transaction costs**  
Cash 0.00%
Income Focused 0.05% 
MySuper Balanced 0.09% 
Aggressive 0.13%
**Not deducted directly from your account. Paid from or reduces the amount of investment returns or assets related to each investment option.

 

We've got you covered

Sometimes the unexpected happens, and we’re here for you if it does. 

While you’re serving, you can access ADF Cover. When you’re out, you can access ADF lifePLUS Protect.

ADF Cover

If you’re under the age of 60 and serving in the ADF, you’ll be automatically covered by ADF Cover3. This provides death and invalidity benefits for your family if you die while serving or are discharged because you are medically unfit for service. While you’re serving, you’ll also be covered for death caused by natural reasons, and for injuries or events that are not service-related.

ADF lifePLUS Protect – for when you discharge

Once you leave the ADF, you may be eligible for lifePLUS Protect auto. If you are eligible, factors like your age and account balance determine if you have to opt in or if your cover is turned on automatically.

If you’re not eligible for lifePLUS Protect auto, you’d like more or less cover, or you’d like to apply for Income Protection, you may like to apply for lifePLUS Protect choice.

Live life without worry, knowing we’ve got you covered.

3 All ADF personnel who are serving permanent forces or continuous full-time reservists under the age of 60 and are either an ADF Super member or would have been had they not chosen to have their 16.4% employer contribution paid to another fund.


Need more info? We're here to help.

Request a call from our team or email us your questions.

Contact us

Your risk profile

Super, like any investment, has risks.

Super Ratings Top 10 Returns over three years to 30 June 2021 - CSC PSSap - Aggressive
Our aggressive investment option

Early in your career?

Our Aggressive investment option is aimed at customers early in their working life as it allows for greater risk and focuses on generating high returns over the long term. It’s been rated #1 for best returns over the last three years, growing by 11.34%.

PSSap logo

PSSap is available for new Australian Government employees.

 

Get started with PSSap

 

 

ADF Super Logo

ADF Super is available for new recruits to the Australian Defence Force.

 

Get started with ADF Super

 

 

ADF Super Product Disclosure Statement

This document provides important information about the features, benefits, risk and cost of investing your super in ADF Super.

PDF, 632KB

PSSap Product Disclosure Statement

This document provides important information about the features, benefits, risk and cost of investing your super in PSSap Super.

PDF, 621KB
The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit superratings.com.au for ratings information and to access the full report. © 2020 SuperRatings. All rights reserved.

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Learn the nuts and bolts of how your super scheme is designed and how it’s performing.

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Why CSC?

We are your guide. Trusted by the Australian Government and Defence Force for 100 years, because we deliver where it matters most.

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