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.

  • MySuper Platinum
  • MySuper of the Year Finalist
Fund data valid as of July 31, 2017

Typical Fees

Balance This Fund Industry Average Difference
5k $92 $154 -$62
50k $407 $612 -$205
100k $757 $1,127 -$370

Investment Allocation

Intl shares 29.0%
Aus shares 19.0%
Property 11.0%
Alternative 29.0%
Fixed interest 6.0%
Cash 6.0%

Fees & Charges

Administration Fee ($) $57
Administration Fee (%) 0.10%
Investment Fee 0.60%
Switching Fee $0
Exit Fee $25
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 1,917,109
Total Assets $45,570,586,125
Year Started 2013
Target Market All industries
Offered to Public? Yes
Fund Type Industry-MySuper

Fund Highlights - provided by REST Super - MySuper

Low fees including no commissions to financial planners, advisors or accountants
Comprehensive online facility with the option of online statements, newsletters, product information and education as well as member access.
Free member education & employer seminars held throughout the country.
Health insurance, banking services and travel insurance available to members at discounted rates and access to non-commission based financial advice with members first call free of charge.

Investment Option Performance

Asset Allocation Category FYTD FY 2016 FY 2015 FY 2014 FY 2013 FY 2012 Comparison
Balanced 0.04%
  • 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

REST was established in 1988 to provide superannuation services to retail employees. The fund is open to employees across all industries and is one of the largest based on membership. Their MySuper product is a 2017 MySuper of the Year Finalist.

REST offers Core Strategy as a MySuper compliant option in both their REST Super and REST Corporate products. Choice members can also select from a suite of 13 investment options. The Core Strategy option has outperformed the SuperRatings Index over the short and long term.

The fund has a very low fee structure and is lower than the industry average across all account balances assessed. Fees are charged for withdrawals and buy/sell spreads are charged per transaction.

REST insurance provides a 'lifestage' design which automatically adjusts the level of cover at each stage of life. Additional Death, Total and Permanent Disablement (TPD) and Income Protection (IP) insurance is also available. IP is available up to a maximum 77% of your pre-disability income plus a 12% super component. To keep up with the cost of living, the level of Death, TPD and IP Basic benefits are indexed on 1 January each year by 5%.

REST offers extensive additional member benefits, including financial planning, discounted health and travel insurance as well as access to low-cost banking products.