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What the Researchers Say:

A 'best value for money' superannuation fund. Well balanced across all key assessment criteria in a robust, secure and proven risk framework. The fund provides features that should assist most individuals to meet their retirement savings goals.

You should contact your financial adviser or this fund before making an investment decision.

  • Platinum
  • 10 Year Platinum Performance
Awards
Fund data valid as of May 31, 2017

Typical Fees

Balance This Fund Industry Average Difference
5k $123 $152 -$29
50k $523 $601 -$78
100k $968 $1,106 -$138

Investment Allocation

Intl shares 27.0%
Aus shares 28.0%
Property 10.0%
Fixed interest 15.0%
Cash 2.0%
Other 18.0%

Fees & Charges

Administration Fee ($) $78
Administration Fee (%) 0.15%
Investment Fee 0.74%
Switching Fee $0
Exit Fee $55
Account Size Discount No
Employer Size Discount No

Fund Features

Financial Planning Service
Health Insurance
Home Loans
Credit Cards
Binding Nominations
Non-lapsing Binding Nominations
Insurance Life Event Increases
Anti-detriment Payments
Long Term Income Protection

About this Fund

Membership 124,135
Total Assets $2,174,138,789
Year Started 1988
Target Market Hospitality and Tourism Industries
Offered to Public? Yes
Fund Type Industry-Public Offer

Fund Highlights - provided by Intrust Super - Core Super

Automatic acceptance limits for Life and disability insurance and income protection insurance that covers up to 90% of income.
Individual member and employer support and education.
Full-service advice model with no limitations.
Features of Core Super well matched to membership profile.

Investment Option Performance

Asset Allocation Category FYTD FY 2016 FY 2015 FY 2014 FY 2013 FY 2012 Comparison
Balanced 10.85%
10.31%
3.45%
2.81%
11.06%
9.60%
14.02%
12.66%
15.06%
14.73%
0.11%
0.45%
Fund
Benchmark
High Growth 13.79%
14.41%
3.12%
0.68%
12.81%
11.66%
17.92%
15.76%
18.41%
20.40%
-3.15%
-3.15%
Fund
Benchmark
Diversified Fixed Interest 1.86%
2.08%
5.95%
4.43%
4.70%
3.93%
6.26%
5.52%
3.48%
4.65%
9.48%
8.94%
Fund
Benchmark
Australian Shares 12.15%
12.67%
6.17%
1.50%
7.80%
5.70%
17.13%
16.77%
20.24%
21.07%
-6.02%
-6.15%
Fund
Benchmark
Overseas Shares 19.17%
17.95%
-3.31%
-2.30%
18.40%
19.16%
22.54%
17.63%
27.16%
26.14%
-3.68%
-2.45%
Fund
Benchmark
Capital Stable 5.51%
5.16%
4.33%
3.36%
5.86%
5.66%
7.46%
7.34%
6.62%
8.29%
5.46%
4.06%
Fund
Benchmark
Property 8.33%
6.28%
11.42%
12.55%
7.34%
10.78%
7.41%
9.09%
7.85%
10.99%
4.92%
7.12%
Fund
Benchmark
Cash 2.02%
1.59%
2.26%
1.90%
2.63%
2.25%
3.27%
2.42%
3.95%
2.94%
4.13%
4.04%
Fund
Benchmark
  • Legend:
  • Outperformed average
  • Underperformed average
  • Negative returns

Annualised figures are the average per year returns of the rated option based on the cumulative returns for the past 5 years to 30/06/2016, past performance is not a reliable indicator of future performance. Performance and fee data is based on the option which is rated by SuperRatings and stated on each product's landing page.

Benchmark investment information - how performance is measured

To ensure comparability for consumers, the RateCity superannuation comparison is based on the asset allocation of each of the MySuper/Pension products, irrespective of the name of the investment option. This methodology allows consumers to compare products on a like for like basis and removes any ambiguities associated with the name of the investment option. For example, an investment option may be classified as growth, however its asset allocation may in fact mean it should be classified as high growth. By using the asset allocation as the dominant identifier, we believe this provides the most robust framework for consumers to compare funds and recognise that this is a consistent approach to that of SuperRatings methodology.

Option Type Percentage of Growth Assets
min-max %
High Growth 91-100%
Growth 77-90%
Balanced 60-76%
Conservative Balanced 41-59%
Capital Stable 20-40%
Secure 0-19%

What the researchers say

Intrust Super's Core Super is a simple, flexible and low-cost super offering specifically designed for employees in the hospitality, clubs, tourism and retail sectors. The fund has achieved a Platinum rating for the past 11 consecutive years and was also a finalist of the 2017 MySuper of the Year award.

Core Super offers a range of 8 investment options to choose from, providing members with access to 3 Pre-Mixed and 5 Single Sector options. The MySuper option has outperformed the SuperRatings Index over the short and long term.

Fees are competitive and lower than the industry average across all account balances assessed. No fees are charged for switching investments; however, an exit fee applies to partial and full withdrawals.

A full suite of insurance cover is offered, with Death, Total & Permanent Disablement (TPD) and Income Protection (IP) insurance cover automatically provided to eligible members upon joining the fund. PayGuard Income Protection is available to a maximum of 90% of salary plus 10% super contributions, with a two-year benefit payment period and a choice of four waiting periods. Waiting periods can be backdated up to a maximum of 21 days for members who have not claimed for more than 6 years.

Intrust Super provides members with access to financial planning services through Intrust360, ranging from educational modules, Learning360, to online super advice, Super360 and full financial planning, Adviser360. Intrust Super's secure online facility, MemberAccess further allows members to view and update account details.