Catholic Super

What Catholic Super does

Catholic Super is a profit-to-member Australian industry superannuation fund established in 1971 and administered by Togethr Trustees Pty Ltd as a division of Equip Super. It serves members working in Catholic sector industries — primarily education, healthcare, aged care, and welfare — and seeks to become the default super fund for Catholic employers through dedicated workplace relationships, seminars, and onboarding support. The fund operates on a not-for-profit basis where surpluses benefit members rather than external shareholders, and it offers a full product lifecycle spanning accumulation, transition to retirement, and retirement income phases.

The product suite includes a default MySuper option plus a range of self-select investment options (Growth Plus, Growth, Balanced Growth, Balanced, Capital Stable, Index Diversified, Australian Shares, Overseas Shares, Diversified Fixed Interest, Cash). Retirement-phase products comprise a Retirement Income Account, Transition to Retirement Income Account, and the managed MyPension strategy. Adjacent offerings include insurance through super underwritten by MetLife, the 360Health Virtual Care partnership with MetLife, and financial advice services delivered through Togethr Financial Planning using Iress software. The technology platform is a member-facing online portal supporting account management, investment switching, calculators, and an interactive Knowledge Hub.

Revenue is generated through recurring administration and investment management fees on member balances, supplemented by professional services revenue from financial advice. Distribution combines direct-to-consumer self-service via the website and service centre (phone support at 1300 655 002) with enterprise employer partnerships and a financial advice channel. The fund does not publish specific fee amounts or member counts on its website, with detailed disclosures located in the Product Disclosure Statement and Target Market Determination documents.

Name

Catholic Super

Legal name

Togethr Trustees Pty Ltd ABN 64 006 964 049, AFSL 246383

Website

https://csf.com.au

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

51–100 employees

Short description

Catholic Super is a profit-to-member Australian industry superannuation fund established in 1971, serving Catholic sector employees in education, healthcare, aged care and welfare with accumulation accounts, retirement income products, investment options, insurance, and financial advice.

Ownership category

akta.pro rank

Product category

Industry Superannuation

NAICS

Pension Funds (525110), Pension Funds (52511), Open-End Investment Funds (525910)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAAAAAJ

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail)

Financial & Insurance/Asset & Wealth Management/Retail & Mass-Affluent Wealth Management

SECONDARYFSAAAGAA

Corporate & Public Pension Funds (DB/DC Sponsors)

Financial & Insurance/Asset & Wealth Management/Asset Management — Institutional (Pensions, Endowments, Sovereign)

SECONDARYFSAAAGAB

Pension Master Trusts, Superannuation & Provident Funds

Financial & Insurance/Asset & Wealth Management/Asset Management — Institutional (Pensions, Endowments, Sovereign)

Keywords

• Industry superannuation fund
• Retirement income products
• Superannuation investment options
• Financial advice services
• Group insurance super

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Superannuation Management Fees: Catholic Super generates revenue through administration and investment management fees charged on superannuation account balances. As a profit-to-member fund, revenues are used to benefit members rather than external shareholders. Fees include administration fees and investment management fees as disclosed in the fund's fee documentation.
2. Financial Planning Services: Financial advice services provided to members through Togethr Financial Planning, with initial appointments offered at no additional cost to members

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Catholic Super is a profit-to-member industry superannuation fund providing accumulation superannuation accounts, the MySuper default investment option, a suite of self-select investment options, and retirement income products (Retirement Income Account, Transition to Retirement, MyPension). It also offers insurance through super (underwritten by MetLife), 360Health Virtual Care, financial advice via Togethr Financial Planning, and employer services including Payday Super preparation support.

Product overview

Catholic Super is a profit-to-member industry superannuation fund providing a comprehensive suite of retirement products and financial services. The core offering includes superannuation accounts for accumulation, MySuper as the default option, and a full range of self-select investment options (Growth Plus, Growth, Balanced Growth, Balanced, MySuper, Capital Stable, Index Diversified, Australian Shares, Overseas Shares, Diversified Fixed Interest, Cash). For retirement, the fund offers Retirement Income Account, Transition to Retirement Income Account, and MyPension (a managed portfolio strategy). Additional services include 360Health Virtual Care (healthcare partner with MetLife), insurance through super (underwritten by MetLife), financial advice services, and digital tools including calculators (Super Contribution, Compare My Super, Retirement Drawdown, Retirement Lifestyle) and a Knowledge Hub with interactive educational modules. The fund serves members across all life stages from getting started to retirement, with employer services also offered.

Differentiator

Problem solved

Functional benefit

Products and services

• Superannuation Account

Quantifiable outcome

• MySuper option returned 10.15% for 2025 calendar year, top 10 performing growth fund
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• MetLife (360Health)coreStrategic or Co-development PartnerCatholic Super has partnered with MetLife and their 360Health initiative to provide members and their families with access to online healthcare services including GPs, specialists, mental health clinicians, nutritionists, and exercise physiologists at no extra cost. Awarded Best Overall Health and Wellbeing Program 2023.
• External Investment ManagerscoreTechnology or IntegrationCatholic Super utilises external investment managers as part of its diversified investment strategy, including active management for Australian and overseas shares, and exposure to mid and small cap companies, emerging markets, infrastructure and alternatives asset classes.
• Retirement EssentialsminorGTM or Marketing PartnerRetirement Essentials is an independent online service that simplifies the eligibility and application process for the Age Pension and Commonwealth Seniors Health Card. Catholic Super refers members to this unrelated service.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• AustralianSuper: Australia's largest superannuation fund, a profit-to-member industry fund offering accumulation, MySuper and retirement income products across multiple sectors. Direct structural and product-set peer to Catholic Super — same Australian industry-fund model, same product taxonomy, same member-acquisition motion via employer default arrangements; differs primarily in scale (~$300B+ AUM vs. niche) and breadth of target sectors.
• HESTA: Industry super fund for Australia's health and community services sector. Most direct vertical peer to Catholic Super because of overlapping target employer base (hospitals, aged care, community services) and similar faith/mission-aligned positioning, with comparable product suite spanning accumulation, retirement income, and insurance through super.
• Rest Super: Industry super fund historically serving retail, fast-moving consumer goods and associated industries, now open more broadly. Closely comparable to Catholic Super in operating model (profit-to-member industry fund, employer-default distribution, full accumulation-to-retirement product suite) and in competing for the same pool of Australian retail/mass-affluent super members.
• Hostplus: Industry super fund serving hospitality, tourism, sport and related sectors. Comparable as a profit-to-member industry fund with employer-default member acquisition, MySuper default offering, and a full accumulation-to-retirement income product range — the same structural model Catholic Super operates within a different vertical.
• Cbus Super: Industry super fund for the building, construction and allied industries. Comparable to Catholic Super as a vertically-focused industry super fund with employer-default acquisition, MySuper default option, retirement income accounts, and in-house financial advice — differing primarily in target industry and AUM scale.
• Equip Super: The broader Equip Super fund of which Catholic Super is a division, administered by the same trustee (Togethr Trustees Pty Ltd). Direct peer and parent entity — same trustee, same administration platform, overlapping product suite — providing a natural comparison for Catholic Super's segment economics within a multi-divisional structure.
• NGS Super: Industry super fund for the not-for-profit, community, education and care sectors — overlapping substantially with Catholic Super's Catholic-sector verticals. Closely comparable profit-to-member fund with employer-default distribution, MySuper offering, retirement income products and a member-services orientation in mission-driven sectors.
• Australian Retirement Trust: Merged super fund formed from Sunsuper and QSuper, serving government, corporate and broad industry members. Direct structural and product peer to Catholic Super (profit-to-member, MySuper, retirement income, employer-default distribution) but materially larger scale, making it a key competitor for both members and employer default mandates.
• Aware Super: Large profit-to-member super fund formed from the merger of First State Super and VicSuper, serving public sector, education and community-sector employees. Directly comparable to Catholic Super in employer-default distribution into the education and care verticals, with overlapping retirement income and advice services and a similar product taxonomy.

Broad incumbents

• Colonial First State: Large retail super and investment platform owned by Insignia Financial, offering accumulation and retirement income products to retail customers. Comparable to Catholic Super in offering MySuper-equivalent defaults and retirement income accounts, but competes as a broad retail incumbent rather than a vertical industry fund and serves members outside the Catholic vertical.

Market position

Strengths5 records

Weaknesses6 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/catholicsuper

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Catholic Super