You'll be automatically invested in the Core Strategy when you join Rest. After you join, you can switch to one of the other investment options.
{"userFilters":[{"componentType":"MULTI-SELECT CHECKBOX","options":{"comparator":"contains","includeAllSelection":false,"defaultMatcher":"ANY","values":["Industry","Retail"],"fields":[{"label":"Industry","value":"Industry","comparator":"contains"},{"label":"Retail","value":"Retail","comparator":"contains"}]},"dataSelector":{"recordType":"PRODUCT","fieldCode":"DETAILS.FUND_CATEGORY"},"dataType":"TEXT","label":"Type of fund","queryParameter":"fundtype","order":0},{"componentType":"RADIO","options":{"comparator":"contains","values":["Conservative"," Moderate"," Balanced"," High growth"]},"dataSelector":{"recordType":"PRODUCT","fieldCode":"INVESTMENTS.INVESTMENT_TYPE"},"dataType":"TEXT","label":"Risk Level","queryParameter":"risklevel","order":1},{"componentType":"PROVIDER","options":null,"dataSelector":{"recordType":"PROVIDER","fieldCode":"GENERAL.ID"},"dataType":"UUID","label":"Providers","queryParameter":null,"order":2},{"componentType":"FULL MARKET COMPARISON","options":null,"dataSelector":{"recordType":null,"fieldCode":null},"dataType":null,"label":"Finder Partners","queryParameter":null,"order":3}],"niche":{"currencySymbol":"$","decimalPoint":".","decimalPlaces":"2","thousandsSeparator":","},"prefilled":false}
1 - 14 of 14
The information in this table is based on data provided by SuperRatings Pty Limited ABN 95 100 192 283, a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, Australian Financial Services Licence No. 421445. In limited instances, data for a small number of products is provided directly by the individual super fund.
*Past performance data and fee data is for the period ending July 2024
What do Australians think of Rest Super super fund?
4.06/5 overall for Customer Satisfaction — equal to the average of 4.06
4.54/5 for Trust — higher than the average of 4.45
4.09/5 for Customer Service — higher than the average of 4.07
Profit to member fund. Also called an industry or not-for-profit fund, these super funds are not designed to benefit shareholders and will instead return profit to members.
Ethical investments are available. Rest factors environmental, social and governance (ESG) factors into all of its investment decisions. It also offers an Ethical Super Investment option for those wanting to invest ethically.
Consolidate your super online. You can find and combine your super with Rest using the app or online. The chat function is also available for those who need assistance.
Insurance cover. Rest offers Default Insurance for all members which includes Income Protection, Total and Permanent Disability and Death Cover. You can also apply to increase your cover if you are eligible.
Rest Advice. Rest offers an advice service with qualified financial advisors for free for members. You can access it over the phone or online and get help with your super or your financial goals.
Our expert says
"Rest was my first super fund. Performance was average in the balanced fund, but the fees really ate up the overall returns. I switched to QSuper to pay less in fees and to maximise performance. I think their 10-year performance is more like 6% versus leaders around 12%+. Switching funds was easy."
You will be in this investment option unless you specifically choose one of the other available investment mixes.
Investment option
Risk level
How your money is invested
Core Strategy
High
This option has a balance of growth and defensive assets with a minimum suggested holding timeframe of over 10 years. There is a focus on growth assets (between 60-75%) including 35% overseas shares, 23.5% Australian shares and 10% property.
Balanced
Medium to High
This option is designed to be the default option for the Rest Pension and held for a minimum timeframe of 6+ years. There's a balance of growth and defensive assets, with a mix of Australian (16%) and overseas (24%) shares with a higher percentage of cash (12%) than the Core Strategy.
Option 2: Structured options
These are invested across a mix of asset classes designed to match a range of member needs. You're able to select 1 or a mix of the following 7 options.
Investment option
Risk level
Target benchmarks
Core Strategy - A balance of growth and defensive assets with a minimum suggested timeframe of 10+ years.
High
Cash - 4.5%
Debt - 14%
Alternatives - 2%
Infrastructure - 11%
Property - 10%
Australian shares - 23.5%
Overseas shares - 35%
Capital stable - Stable returns with primarily defensive assets and a minimum suggested timeframe of 4+ years.
Medium
Cash - 20%
Debt - 35.5%
Alternatives - 2%
Infrastructure - 12%
Property - 10.5%
Australian shares - 8%
Overseas shares - 12%
Balanced - Approximately equal proportions of growth and defensive assets offer a balance of risk and return. A minimum timeframe of 6+ years is suggested.
Medium to High
Cash - 12%
Debt - 23.5%
Alternatives - 2%
Infrastructure - 12%
Property - 10.5%
Australian shares - 16%
Overseas shares - 24%
Balance Index - This is an index-based investment with a mix of growth and defensive assets. The suggested minimum timeframe is 12+ years.
High
Cash - 5%
Debt - 20%
Australian shares - 30%
Overseas shares - 45%
Diversified - The mix of assets aims to achieve strong returns over the longer term. It is weighted towards shares and has a mix of growth and defensive assets. Minimum suggested timeframe of 10+ years.
High
Cash - 4%
Debt - 11.5%
Alternatives - 2%
Infrastructure - 12%
Property - 10.5%
Australian shares - 24%
Overseas shares - 36%
High Growth - There is a focus on growth assets (between 80-90%) largely consisting of shares. The minimum suggested timeframe is 12+ years.
High
Debt - 3.5%
Alternatives - 1.5%
Infrastructure - 8%
Property - 7%
Australian shares - 32%
Overseas shares - 48%
Sustainable Growth - There is a mix of growth and defensive assets but still a strong focus on growth (70-85% growth). The minimum suggested timeframe is 12+ years.
High
Cash - 4%
Debt - 6%
Alternatives - 1%
Infrastructure - 7.5%
Property - 6.5%
Australian shares - 30%
Overseas shares - 45%
Option 3: Member-tailored options
If you want to be hands-on with your investments and customise your own investment portfolio, Rest offers the following options:
Cash
Property
Australian shares
Australian shares - Indexed
Overseas shares
Overseas shares - Indexed
What insurance cover is available?
Rest offers 3 types of insurance: Income Protection, Total and Permanent Disability, and Death Cover.
Rest's Default Cover is an insurance package that combines all 3 and is available to all members. You can also opt to increase your cover if you prefer.
Income protection. This insurance cover protects you if you are unable to work for an extended period of time due to certain reasons, such as injury or illness.
Total and Permanent Disability. This cover is designed to cover you in the form of a lump sum payment if you become totally and permanently disabled and are unlikely to work again.
Death Cover. Your family and friends will receive a payment or pension in the event of your death through this cover.
How to join Rest Super
Joining Rest Super is a straightforward process and shouldn't take long. Here are the steps:
Click "Go to Site" to be securely directed to Rest Super
Provide your contact details and create a password
Optional: Provide your Tax File Number (TFN)
Once your account is set up, share your details with your employer
Elizabeth Barry was the lead editor for Finder. She has over 10 years' experience writing about a range of topics with a focus on personal finance. You’ll find her writing and commentary in a range of publications and media including Seven News, the ABC, MSN, the Irish Times and Singapore Business Review. See full bio
Elizabeth's expertise
Elizabeth has written 215 Finder guides across topics including:
Mortgage holders are in survival mode skipping everything from meals to mobile bills to stay on top of monster repayments, according to new research by Finder.
The government is trying to pass its Help to Buy scheme through parliament but both the Coalition and the Greens have rejected it once already. What is the scheme and how would it help Australians?
NRMA Insurance offers both fixed and variable home loans both with optional offset accounts. With a completely digital application, you can apply online with speed and ease.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.