Advice for your Catholic Super account.

It’s a division of the Equipsuper fund ABN 33 813 823 017, whose trustee is Togethr Trustees Pty Ltd ABN 64 006 964 049. Catholic Super joined forces with Equip Super in October 2019 and both brands were kept. Equip Super's history page records a full merger in 2021 and a One Fund program in 2023 that aligned the two operations.

The combined fund had 135,741 members and $36.9 billion under management at 30 June 2025. That is why a form may say Equipsuper or Togethr when your card still says Catholic Super.

No. Catholic Super is a public offer, profit-to-member industry fund, and it says all are welcome to join. It was built around people in Catholic education, health, aged and community services, but you don't need to work in those sectors to open or keep an account.

The Unique Superannuation Identifier for Catholic Super accumulation is 33 813 823 017 601. The pension product uses 33 813 823 017 699. Think of the USI as the mailing address payroll uses so your Super Guarantee lands in the right product.

If you’re nominating Catholic Super as your choice of fund, your employer also needs Equipsuper's ABN 33 813 823 017 and the fund's Letter of Compliance, which Catholic Super publishes on csf.com.au.

If you joined through an employer that nominated Catholic Super, you may receive default death, total and permanent disablement (TPD) and income protection cover. Default income protection is generally $3,000 a month, for up to two years, with a 90-day wait, and a claim is capped at 85% of your pre-disability pay. Death cover starts lower when you're young and rises into your mid-forties; TPD is higher through middle age and then tapers.

Cover usually switches on after an employer contribution once you're 25 or over and the balance has reached $6,000 — think of those two locks as the reason a small unused account isn't eaten by premiums. You can ask the fund to start cover sooner, within 30 days of the date on your welcome letter. Self-employed members and people who join without expected employer contributions don't get default cover; they apply. Rolling the money out can cancel the cover, so check Member Online before you move anything.

On Catholic Super's published example, a $50,000 accumulation balance in the MyFuture / MySuper option costs $477 a year. That's $1 a week plus 0.19% a year of the balance (capped at $950 a year), plus 0.52% investment fees and 0.14% transaction costs for MySuper.

Think of the weekly dollar as a membership fee and the 0.19% as a slice of the pot — once that slice would exceed $950, it stops growing. Accumulation members get a 15% tax refund on administration fees and insurance costs, which is the fund passing back a tax deduction it claims. Insurance premiums, if you have cover, are extra and come out on the last day of each month.

Catholic Super's own product list is accumulation, Transition to Retirement Income and Retirement Income — with MyPension as the default investment strategy inside the Retirement Income account, not a separate product. Defined benefit arrangements sit in the same Equipsuper fund under the Equip Super brand. Equip Super says it manages defined benefit sub-plans for employers and their employees, and those schemes are generally closed to new members. The defined benefit investment option is used inside those sub-plans and isn’t a choice any member can pick.

If your statement talks about a formula — think salary times years times a factor — rather than a unit-priced balance, you're likely in one of those Equip Super sub-plans. Each plan has its own rules, and Equip Super says defined benefit members can generally access the benefit from age 65 as a lump sum, a Retirement Income account or a rollover. Check the plan documents on your statement before treating it like an ordinary accumulation account.

Catholic Super says the earliest you can access your super is age 60. You can take it if you've turned 65, whether you're still working or not; if you've turned 60 and retired; or if you've changed employers after 60. If you're 60 to 64 and still working, limited access is through a Transition to Retirement Income account.

Super is also accessible on permanent incapacity, a terminal medical condition, financial hardship or compassionate grounds — those last two have their own caps and evidence rules. Check the condition you actually meet on your statement and with the fund before counting on a withdrawal.

MyPension is a set-and-forget investment strategy that sits only inside a Catholic Super Retirement Income account. The fund splits the money into three buckets: Cash holds three years of the income you nominated, and the rest is split between Capital Stable and Growth. Your regular income is paid from Cash. Every April and October the fund rebalances, with the aim of keeping at least two years of income payments in Cash.

If you don't choose an investment option when you open the Retirement Income account, you're placed in MyPension automatically. You can switch out at any time; after that you manage the mix yourself and the automatic rebalance stops.

A Transition to Retirement Income account if you're still working, a Retirement Income account once you've met a full condition of release, and MyPension as the investment strategy inside the Retirement Income account. There's no minimum balance to open a Retirement Income account. Payments from age 60 are generally tax-free. Investment earnings in a Retirement Income account are generally tax-free; earnings in TTR are still taxed at up to 15%.

Starting now, waiting, or using another approach are all legitimate comparisons — the timing sets the tax on the drawings and feeds into what Centrelink counts.

Catholic Super is a public-offer industry fund established for teachers in Catholic schools, now serving Catholic education, health, aged and community services — and anyone can join. Its MySuper dashboard, updated 29 July 2026, shows a 9.08%* return for the year ended 30 June 2026, net of administration fees on a $50,000 balance, and SuperRatings has given the fund Platinum MySuper, Platinum MyChoice Super and Platinum Pension ratings for 2025.

Whether it still fits you turns on the option you hold, the fees on your balance, and the insurance attached to the account. If you're happy with it, there's often no reason to move — and we'll say so. If you're not sure it still stacks up, Guideway specialises in industry, government and corporate super funds and can benchmark it against five leading comparable funds so you know exactly where it stands.

The first conversation is free and takes about half an hour. Tell us what you'd like to discuss, and we'll explain if and how we can help, including any fees, before you decide to go ahead.