Retail Employees Superannuation Trust (REST) Principal Contact: REST Customer Service Centre Customer Service: Head Office:  1300 300 778 (02) 9086 6330 Address: PO Box 350 Parramatta NSW 2124 Website: www.rest.com.au Overview:   REST Industry Super is a profit-to-members industry super fund. It is one of Australia's most established funds, operating since 1988. And it is Australia's largest industry super fund by membership, with over 1.9 million members and more than $20 billion in assets. REST members benefit from low fees, competitive long-term investment returns, innovative insurance and great customer service. REST is proud to have been awarded Money magazine, Best Growth Super Fund 2011, SuperRatings Platinum Performance 2004-2011, AFR Smart Investor Blue Ribbon Awards 2010 Industry Fund of the Year, and SelectingSuper Retirement Product of the Year and Workplace Super Product of the Year 2010. Year of Establishment: 1988 Value of Funds: $20 billion Fund Classification: Open to all Australians. Specialises in service industries including retail, fast food, hospitality and pharmacy employees. Key Features: Choice of 13 investment options Low fees Flexible insurance options including Death, Total and Permanent Disablement (TPD) and long term Income Protection (different insurance may apply in corporate and personal divisions)  Employer-sponsored, Personal, Corporate and Pension Divisions Comprehensive and personalised communication, education and reporting including online newsletters and statements Access to discount health and travel insurance and low rate home loans  Access to non-commission based financial planning Administrator: Australian Administration Services Auditor: PricewaterhouseCoopers  Custodian: State Street Asset Consultant: JANA Investment Advisers Lawyers: DLA Phillips Piper TurksLegal Clayton Utz Insurer: AIA Australia Limited INVESTMENT OPTIONS*   Core Strategy 25% defensive, 75% growth. A mix of shares and bonds, property, infrastructure, alternative assets and cash. This is the default investment option. The Trustee reviews and adjusts the asset allocation for this option regularly. Structured Options REST offers eligible members who wish to make an investment selection the choice of structured asset allocations in five portfolios with a broad range of investment strategies. These options are multi-manager portfolios. In this way, REST minimises "manager risk" for members by diversifying each investment portfolio across a range of investment managers. Cash Plus 100% defensive Capital Stable 65% defensive, 35% growth Balanced 45% defensive, 55% growth Diversified 20% defensive, 80% growth High Growth 5% defensive, 95% growth Member-tailored options Seven Member-tailored options including Basic Cash, Cash, Bonds, Property, Shares, Australian shares and Overseas shares for eligible members who want to personalise their portfolio. These can also be mixed in any combination and proportion to create a fully customised investment option. REST's Superannuation returns to 30 June 2011^ Growth Asset Weighting*     10 year return 5 year return   1 year return Core Strategy 75% 6.99% 4.55% 9.56% Cash Plus 0% 4.55% 4.26% 4.65% Capital Stable 35% 5.93% 4.73% 6.60% Balanced 55% 6.31% 4.24% 7.06% Diversified 80% 6.83% 3.74% 7.28% High Growth 95% 6.91% 3.28% 7.35% Basic Cash 0% n/a n/a 4.17% Cash 0% 4.58% 4.41% 4.63% Bonds 0% 5.95% 6.39% 6.90% Shares 100% 6.67% 1.35% 4.97% Property 100% 6.48%** 5.08% 6.06% Australia Shares 100% 10.03%** 4.96% 8.81% Overseas Shares 100% 1.28%** -2.62% 1.03% * The allocation to growth and defensive assets for all options may vary from time to time within the ranges shown in REST's PDS ^ N/A applies to options running less than the indicated time periods. All returns are post investment management fees and tax. Returns for the five and ten year investment periods are annualised compound averages. Past performance is not necessarily an indicator of future performance. ** Each of the Property, Australian Shares and Overseas Shares investment options commenced on 1 March 2002. To calculate the ten year return REST has included the returns of these classes of investments held by it for the balance of the ten year period Insurance Available: Death, TPD, Income Protection. Extra Benefits: Pension, financial planning, financial seminars, online account details, online transactions. Retirement, retirement planning, low rate home loans, health insurance, travel insurance and banking.  Member Communications: Membership, insurance and investment booklets; publications and investment performance available on the website, and quarterly newsletters. Online statements and newsletter option available at no extra cost. Comprehensive educational seminars. Employer Services: Online management of your contribution payements via REST's secure website - EmployerAccess, with a capability to link with your existing payroll system. Employee workplace seminars and visits. Regular newsletters to keep you up to date. Personalised service from REST's Client Service Relationship Managers and our Employer Service Centre (1300 305 775).  FEES Contribution fee NIL Withdrawal fee The first full withdrawal or partial withdrawal is free, then $25 per withdrawal thereafter Asset-based fee 0.1% pa of your account balance at the end of the month Insurance fee Variable, depending on the cover you choose Management cost - member administration fee $1.00  per week Member Protection Cost It varies from year to year and it was 0.07% for the year to 30 June 2011. Other Management Costs - investment fee, including any performance fee (% p.a.) From 0.05% to 0.87% p.a. (depending on the member's investment option for the year to 30 June 2011). This fees includes performance fees of up to 0.17%. Switching fee First 4 switches per financial year are free, thereafter $20 per switch << Back to Main Listings Page