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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 July 31, 2017

Typical Fees

Balance This Fund Industry Average Difference
5k $82 $154 -$72
50k $815 $612 $203
100k $1,630 $1,127 $503

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 (%) 0.03%
Investment Fee 1.60%
Switching Fee $0
Exit Fee $0
Account Size Discount Yes
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 17,743
Total Assets $2,024,071,603
Year Started 2011
Target Market All Industries
Offered to Public? Yes
Fund Type Master Trust-Personal

Fund Highlights - provided by Perpetual WealthFocus Wholesale Super Plan

Extensive investment menu of highly rated funds with quality managers
Comprehensive insurance offering
Short form online insurance applications
Online functionality for members and advisers
Contribution splitting and anti detriment payments
Auto rebalancing

Investment Option Performance

Asset Allocation Category FYTD FY 2016 FY 2015 FY 2014 FY 2013 FY 2012 Comparison
Balanced 0.02%
0.05%
7.88%
10.53%
1.21%
2.81%
5.87%
9.60%
12.56%
12.66%
18.15%
14.73%
Fund
Benchmark
High Growth -0.17%
-0.04%
12.56%
14.11%
-0.87%
0.68%
15.39%
11.66%
15.02%
15.76%
27.39%
20.40%
Fund
Benchmark
Conservative Balance -0.03%
0.00%
5.68%
7.20%
1.37%
2.82%
5.59%
7.28%
9.63%
9.64%
14.89%
11.26%
Fund
Benchmark
Secure 0.44%
0.00%
3.66%
7.20%
1.43%
2.82%
2.20%
7.28%
4.05%
9.64%
5.90%
11.26%
Fund
Benchmark
Australian Shares 1.05%
0.05%
9.65%
13.37%
0.47%
1.50%
2.35%
5.70%
16.85%
16.77%
23.19%
21.07%
Fund
Benchmark
Overseas Shares -0.70%
-0.80%
17.41%
16.57%
-4.69%
-2.30%
24.02%
19.16%
13.04%
17.63%
26.14%
26.14%
Fund
Benchmark
Capital Stable -0.06%
0.08%
3.78%
5.28%
2.37%
3.36%
3.77%
5.66%
7.24%
7.34%
10.38%
8.29%
Fund
Benchmark
Cash 0.06%
0.13%
0.81%
1.72%
1.12%
1.90%
1.36%
2.25%
1.43%
2.42%
2.09%
2.94%
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

Established in 2011, Perpetual WealthFocus Wholesale Super Plan offers a flexible superannuation solution to suit the retirement savings needs of both employees and the self-employed.

Members can choose from over 50 Diversified and Single-Sector investment options, which are managed by more than 20 investment managers. The Balanced Growth option has underperformed the SuperRatings Index over the short and long term.

Fees associated with this product are higher than the industry average across all account balances assessed. However, investment fee rebates are available to eligible members, ranging from 0.35% to 0.90% p.a., which are calculated on the average daily balance and credited as additional units each month. Our ratings assume rebates are applied. Furthermore, switching and exit fees are not applied, although changing investment options may incur transactional costs.

Perpetual WealthFocus Wholesale Super Plan provides members with access to Death only, Death & TPD and Income Protection (IP) insurance. Members can apply for unlimited Death cover and up to $5 million of TPD cover. Increases in Death and/or TPD cover are also available to eligible members upon the occurrence of certain Life Events without medical evidence. IP is offered over a 2 year, 5 year or to age 65 benefit payment period, covering up to 85% of a member's salary, with a waiting period of 30, 60 or 90 days.

Perpetual's website is easy to navigate and mobile responsive, featuring a News and Insights centre, which contains regularly updated investment market updates, product news, topical research and other educational information.


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