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REST Super | Performance, features and fees

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

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REST super performance and fees

You'll automatically be invested in the Core Strategy when joining, which is the default MySuper option, however you're able to switch investment options at any time after joining the fund.

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Name Product Last 1 year performance (p.a.) Last 3 year performance (p.a.) Last 5 year performance (p.a.) Last 10 year performance (p.a.) Fees on $50k balance (p.a.)

REST Super - Core Strategy

REST Super - Core Strategy
REST is an industry super fund tailored towards the retail sector and open to all Australians with almost 2 million members. The Core Strategy is a diversified investment portfolio that balances risk and return.

Rest Aust Shares

Rest Aust Shares
This is a high-risk investment option that aims to deliver higher returns over the long term.

Rest Overseas Shares

Rest Overseas Shares
This is a high-risk investment option that aims to deliver higher returns over the long term.

Rest Bonds

Rest Bonds

Rest Capital Stable

Rest Capital Stable

Rest Property

Rest Property
This is a high-risk investment option that aims to deliver higher returns over the long term.

Rest Balanced

Rest Balanced

Rest High Growth

Rest High Growth
This is a high-risk investment option that aims to deliver higher returns over the long term.

Rest Shares

Rest Shares
This is a high-risk investment option that aims to deliver higher returns over the long term.

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The information in the table is based on data provided by Chant West Pty Ltd (AFSL 255320) which is itself supplied by third parties. While such information is believed to be accurate, Chant West does not accept responsibility for any inaccuracy in such information. Chant West’s Financial Services Guide is available at https://www.chantwest.com.au/financial-services-guide . Finder offers no guarantees or warranties about the data and we recommend that users make their own enquiries before relying on this information. Performance, fees and insurance data is based on each fund's default MySuper product. Where the performance, fees and insurance data for the MySuper fund vary according to the member's age, results for individuals between 40-49 years of age have been shown. Past performance is not a reliable indicator of future performance.

What are the key features of REST Super?

  • Competitive fees. The fees applied to the default MySuper product are lower than many 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 3 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 1: Core Strategy

Once you apply to become a REST Super member, the fund will automatically place you in the Core Strategy option. This is the default option that is MySuper compliant.

ProductRisk level Asset allocation (target range)
Core Strategy

This option will give you a balance between risk and return, with a wide asset allocation range. The strategy is actively managed, meaning that REST will review the asset allocation on an ongoing basis and adjust as appropriate to consider current and expected market conditions.


Medium to High
  • Growth: 69.5%
  • Defensive: 30.5%

Option 2: Structured options

REST's structured options offer a pre-mixed fund of asset classes based on different risk levels. Unlike the Core Strategy, this option is not actively managed and reviewed annually.

ProductRisk level Asset allocation
Capital Stable

This is the lowest-risk investment option, with only around one third of the asset allocation in growth assets. It's designed to achieve a low, steady level of returns.

Low to Medium
  • Growth: 34.5%
  • Defensive: 65.5%

This option is designed to meet a balance of risk and return. It invests approximately an equal split of growth assets and defensive assets.

  • Growth: 52%
  • Defensive: 48%
Balanced Indexed

This is an indexed-based investment option that invests in a mixture of growth and defensive assets. It has a higher allocation to growth assets than the Balanced option.

  • Growth: 75%
  • Defensive: 25%

This option has a similar asset allocation towards growth assets as the Balanced Index option, however it's not an indexed-based investment. It invests in a mix of different asset classes including shares.

Medium to High
  • Growth: 72%
  • Defensive: 28%
High Growth

This option has the highest allocation to growth assets, and aims for high returns over the long term by investing more heavily in shares. It's designed for members with a longer investment timeframe.

  • Growth: 85%
  • Defensive: 15%
Sustainable Growth

This option has a similar risk level to the Balanced Index option, and a higher allocation to growth assets than the Balanced and Core Strategy. Fund managers consider environmental, social and governance characteristics when determining the investments.

  • Growth: 75%
  • Defensive: 25%

Option 3: Member-tailored options

If you're feeling more confident, you can take a hands-on approach with your investments via the member-tailored product. This option allows you to create your own portfolio by choosing the percentages you want in one or more of the following asset classes.

  • Basic Cash
  • Cash
  • Bonds
  • Property
  • Shares
  • Australian Shares
  • Overseas Shares

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.

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