More of your money invested for your future
Super is a long-term investment, and over time even small differences can add up. That's why lower estimated investment fees and costs matter.
27 Oct 2026
From 30 September 2026, estimated investment fees and costs are lower across many CSC products, including all PSSap and ADF Super investment options. The figures are based on costs incurred during the 2025-26 financial year. Lower costs mean more of your money can remain invested and working towards your future retirement savings.
While lower fees are positive, value for money is about more than cost alone. It's also about how your super is managed to help grow and protect your retirement savings over time. That's why it's important to consider both costs and the long-term outcomes your super is working to achieve.
What's changed?
Estimated investment fees and costs per year have reduced across PSSap and ADF Super investment options from 30 September 2026. The size of the reduction varies depending on your investment option.
For example:
- PSSap MySuper Balanced reduced from 0.67% to 0.57%.
- ADF Super MySuper Balanced reduced from 0.67% to 0.58%.
Investment fees and costs represent the costs associated with managing and investing the assets of each investment option. These costs are reflected in investment returns and are not deducted directly from your account.
You can view more details for PSSap and ADF Super investment options in the update to fees and cost guide.
You asked. We answered.
At the 2025 Annual Member Meeting, members asked how CSC's fees compare with other super funds.
CSC's answer: Our focus is on delivering value for money — ensuring your super is invested wisely … and due diligence is applied to protect and grow your retirement savings. Our fees are competitive, and we balance cost with quality investment management to achieve strong outcomes for members.
Value for money matters
Lower fees and costs mean a greater portion of your account balance remains invested.
However, fees are only one part of the picture. When reviewing your super, it's important to consider the value you're receiving as well as the cost. The value of your super is shaped by factors such as investment performance, diversification and how investments are managed to help grow and protect your retirement savings over time.
CSC focuses on delivering value for money by balancing costs with quality investment management. The aim is to help grow and protect retirement savings over the long term while supporting strong retirement outcomes through changing market conditions. To learn more about CSC's investment approach and the assets your super invests in, visit What we invest in.
A closer look at PSSap MySuper Balanced
MySuper Balanced is the default investment option for many PSSap members.
From 30 September 2026, estimated investment fees and costs for this option reduced from 0.67% to 0.57% per year. Based on the standard fees and costs example using a $50,000 account balance, the estimated annual fees and costs (including administration, transaction and investment fees and costs) decreases from $438 to $398.
Illustrative example
Over time, small differences can add up
Approximately $40 less per year
↓
Approximately $400 over 10 years
Illustrative example based on a $50,000 balance invested in PSSap MySuper Balanced, assuming the disclosed investment fee and cost estimate, account balance and investment option remain unchanged over the period. This example does not take into account investment returns, future fee changes, other fees and costs that apply, contributions, withdrawals, taxes or individual circumstances.
A closer look at ADF Super MySuper Balanced