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.
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, where data is not available from SuperRatings for a product, the data is provided directly by the superannuation fund.
*Past performance data and fee data is for the period ending August 2024
Based on Rest Super super fund scores in Finder's 2024 Customer Satisfaction Awards.
"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. |
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 |
|
| Capital stable - Stable returns with primarily defensive assets and a minimum suggested timeframe of 4+ years. | Medium |
|
| 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 |
|
| Balance Index - This is an index-based investment with a mix of growth and defensive assets. The suggested minimum timeframe is 12+ years. | High |
|
| 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 |
|
| High Growth - There is a focus on growth assets (between 80-90%) largely consisting of shares. The minimum suggested timeframe is 12+ years. | High |
|
| 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 |
|
If you want to be hands-on with your investments and customise your own investment portfolio, Rest offers the following options:
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.
Joining Rest Super is a straightforward process and shouldn't take long. Here are the steps:
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