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What the Researchers Say:

A "reasonable value for money" superannuation fund that is performing well in a number of assessment areas but with average or below average features and/or performance in a number of other areas of our assessment.

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

  • Silver
Awards
Fund data valid as of April 30, 2016

Typical Fees

Balance This Fund Industry Average Difference
5k $101 $152 -$51
50k $1,010 $614 $396
100k $2,020 $1,133 $887

Investment Allocation

Intl shares 27.0%
Aus shares 30.0%
Property 5.5%
Fixed interest 15.0%
Cash 7.0%
Other 15.5%

Fees & Charges

Administration Fee ($) $0
Administration Fee (%) 0.04%
Investment Fee 1.98%
Switching Fee $0
Exit Fee $0
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 20,016
Total Assets $1,982,901,218
Year Started 1995
Target Market All Industries
Offered to Public? Yes
Fund Type Master Trust-Personal

Fund Highlights - provided by Perpetual WealthFocus Super Plan

Extensive investment menu of highly rated funds with quality managers
Comprehensive insurance offering great flexibility
Ability to view account and insurance details online
Online functionality for members and advisers
Contribution splitting and Anti-detriment payments

Investment Option Performance

Asset Allocation Category FYTD FY 2015 FY 2014 FY 2013 FY 2012 FY 2011 Comparison
Balanced 0.98%
1.43%
5.87%
9.60%
12.56%
12.66%
18.15%
14.73%
1.90%
0.45%
6.34%
8.71%
Fund
Benchmark
High Growth 1.63%
0.30%
4.66%
11.66%
17.71%
15.76%
27.46%
20.40%
-1.02%
-3.15%
11.85%
9.40%
Fund
Benchmark
Conservative Balance 1.04%
1.45%
5.59%
7.28%
9.63%
9.64%
14.89%
11.26%
3.16%
1.87%
5.71%
7.70%
Fund
Benchmark
Secure 0.94%
1.45%
2.20%
7.28%
4.05%
9.64%
5.90%
11.26%
3.84%
1.87%
6.15%
7.70%
Fund
Benchmark
Australian Shares 2.56%
1.10%
2.35%
5.70%
16.85%
16.77%
23.19%
21.07%
-2.18%
-6.15%
13.17%
11.00%
Fund
Benchmark
Overseas Shares -3.98%
-3.02%
24.02%
19.16%
13.04%
17.63%
26.14%
26.14%
-1.15%
-2.45%
-2.31%
5.86%
Fund
Benchmark
Capital Stable 1.79%
2.09%
3.77%
5.66%
7.24%
7.34%
10.38%
8.29%
4.74%
4.06%
5.43%
6.70%
Fund
Benchmark
Cash 0.93%
1.58%
1.36%
2.25%
1.43%
2.42%
2.09%
2.94%
3.13%
4.04%
3.35%
4.33%
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 30/06/2015, 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

Perpetual WealthFocus Super Plan was established in 1995 and designed for employees and the self-employed. The Perpetual WealthFocus - Perpetual Industrial Share Fund is the winner of the 2016 SR50 Best Australian Share Return Award, for being the best performing option in the SR50 Australian Shares Index between 2010 and 2015.

Members have access to over 60 Diversified and Single-Sector investment options, managed by over 30 investment managers. The Balanced Growth option has outperformed the SuperRatings Index over the 7 years to 30 June 2015.

Fees associated with this product are higher than the industry average across all account balances assessed. No exit fees and switching fees are applied, although changing investment options may incur transactional costs. Adviser fees are payable on an ongoing percentage basis.

Perpetual WealthFocus Super Plan provides members access to Death only, Death & TPD and Income Protection (IP) insurance. Although premiums for the majority of age groups are higher than average, the conditions associated with the policy are generally flexible. Members can apply for an unlimited amount of Death cover and up to $5 million of TPD cover. IP is offered with benefit periods of 2 years, 5 years or to age 65. Eligible members can also increase their existing cover upon the occurrence of certain life events without medical evidence.

With improved navigation and mobile responsiveness, Perpetual's new look website contains a range of regularly updated publications, including investment market updates, product news, topical research and other educational information. Members also have access to simple and aggregated reporting.


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