REST Super | Performance, features and fees

REST Super is an industry fund with an authorised MySuper product, competitive fees, automatic insurance and multiple investment options.

REST Super from industry fund REST is a MySuper authorised product that is designed to help you save for your retirement. Members can choose from 13 different investment options, including a default option which has a history of good performance. The product automatically comes with death, total and permanent disability and income protection insurance. REST Super allows you to keep track of your super and insurance online or via their mobile app.

No reviews yet. Write a review


Past performance - 1 year


Past performance - 5 Years


Annual fees on $50k balance

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Product NameREST Super - Core Strategy
Past performance - 5 Years6.91%
Annual admin fee$91.76 + 0.14% of balance p.a.
Insurance includedDeath,TPD,Income Protection
Number of members1,757,000

Performance figures quoted on this page are correct to December 2020, according to Chant West. Investment returns are not guaranteed. Past performance is not a reliable indicator of future returns.

What are the key features of REST Super?

  • Competitive fees. The fees applied to the default MySuper product are competitive with others in the market.
  • 13 investment options. Members are offered lots of different ways to invest, including pre-mixed diversified funds and a 'build your own' option.
  • MySuper authorised. The Core Strategy is the default, no-frills, low-fee MySuper product available to members.
  • Default insurance cover. REST Super's default insurance cover automatically includes death, total and permanent disability cover, and long-term income protection.
  • Easily consolidate your super. You can find and consolidate all of your super into REST Super via the website.
  • Member benefits program. REST members get access to a range of benefits such as discounted event tickets and discounted health and wellbeing services.
  • Online and mobile services. Members can access their super online or via the mobile app to make additional contributions or switch their investment and insurance options.

What investment options are available with REST Super?

REST Super offers three different ways to invest your super, with 13 different options in total. You can choose one or a combination of different options to create your portfolio. Option one is the MySuper option, which invests you super in a diversified portfolio of assets. Option two offers a range of pre-mixed investment portfolios with different risk levels, and option three offers a range of single assets options.

These options are detailed below by clicking on the link to expand.

What are the REST Super fees?

REST Super charges a number of fees and other costs which will be deducted from your account. Fees relate to the administration of your account and the management of your investments. Other costs may be charged for additional services including personal financial advice and insurance.

The following is a breakdown of the fees charged for the Core Strategy option.

Example of annual fees for REST Super Core Strategy (based on a balance of $50,000)

Type of fees/ costsAmount
Administration fee$91.76 plus 0.14% of account balance.
Indirect costs (including investment fees)0.61% of account balance.
Total cost of product$467.36

Fees vary between investment options. For a more detailed breakdown of fees and charges, always read the PDS available on the website.

What insurance is available with REST Super?

REST Super offers a single insurance option which will be automatically applied to your account.

Default cover

REST Super’s default insurance cover automatically includes death, total and permanent disability cover, and long-term income protection. You will automatically receive default insurance cover when your employer makes your first compulsory super contribution. REST’s default cover is life-stage based, meaning that cover is lowest when you’re young and automatically increases as you get older. Your default death, TPD and IP insurance cover and costs will automatically adjust each year on your birthday.

Death CoverProvides a lump sum for your beneficiaries if you pass away
Income Protection CoverProvides financial protection that replaces your income if you’re unable to work due to illness or injury for more than 60 days
TPD CoverProvides a lump sum benefit of $28,600 (for most age groups)

The below table is an example of the default cover, costs and benefits received as of December 2017, as stated on REST’s website. These figures may have changed since this time.

AgeAmount covered Death Amount covered TPDMax. amount covered per month IPTotal cost per week

To be eligible to receive cover you must be:

  • An Australian resident; and
  • Be over 18 years of age

You can increase, reduce or cancel each component of your insurance online or via REST Customer Service. If you’d like to apply for additional insurance cover you can without the need to provide any health information up to 120 days after joining. Insurance offered through REST Super is provided by AUA Australia Limited. Read more about REST Super income protection cover in our separate review here, and read more about REST Super's life insurance here.

Note: there may be exclusions and/or restrictions that apply to your insurance cover – check the ‘REST Super Insurance Guide’ available via the website.

How do I join REST Super?

If you’ve decided to select this fund you can apply online by clicking the green "Go to Site" button at the top of this page.

Make sure you have with you:

  • Your personal details, including your name, address, date of birth and contact information;
  • Your tax file number (you do not have to give your super fund your TFN but if you don’t it won’t be able to accept certain types of contributions from you and your benefit payments may be taxed at a higher rate than would otherwise apply); and
  • The details of your employer
DISCLAIMER: This article may contain general advice. You should consider your own personal circumstances before deciding if a superannuation product is right for you. Superannuation is a long term investment and past performance is not indicative of future performance.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site