Personal Super Fund Profiles

REST Personal Principal Contact: REST Personal Customer Service Centre Customer Service: Head Office:  1300 300 779 (02) 9086 6330  Address: PO Box 350 Parramatta NSW 2124 Website: www.rest.com.au Overview: REST Personal is a division of REST Superannuation, a profit-to-members industry super fund. REST is one of Australia's most established funds, operating since 1988. And it is one of Australia's largest funds by membership, with over 1.9 million members and more than $17 billion in assets. REST members benefit from low fees; a solid long-term investment returns, innovative insurance and great customer service; qualities which have resulted in a number of recent major awards. As a member you have access to discounted health and travel insurance and low rate home loans. REST is awarded 'Best Superannuation Fund Manager 2010' by Money magazine; and SuperRatings 'Platinum Rating', '7-year Platinum Performer' and 'Fund of the Year' for 2010 and 2009. It was also awarded 'Industry Fund of the Year' by AFR Smart Investor Blue Ribbon Awards 2009. Year of Establishment: 1999 Value of Funds: $514 Million Key Features: Fair and competitive fees Sensible range of investment options with consistently competitive long term returns. Flexible insurance including Death Only, Death and Total and Permanent Disablement and Income Protection Employer-sponsored division, corporate and Pension Divisions for a lifetime of benefits Comprehensive and personalised communication, education and reporting including the option of online newsletters and statements Access to discount health insurance Access to non-commission based financial planning through Money Solutions - Money Solutions Money Coach - Free 12-month subscription to Money Solutions online education Access to banking service Access to discount travel insurance Administrator: Australian Administration Services Auditor: PricewaterhouseCoopers Custodian: JP Morgan Asset Consultant: JANA Investment Management Lawyers: DLA Phillips Fox TurksLegal Clayton Utz Insurer: AIA Australia Limited INVESTMENT OPTIONS*   Core Strategy 23% defensive, 77% growth. A mix of shares and bonds, property, infrastructure, alternative assets and cash. This is the default investment option. The Trustee actively reviews the asset allocation for this option regularly. Structured Options REST offers 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 those 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 2010   Fund Investment Option FYTD return 1 Year return 3 year return 5 year return Core Strategy 11.40% 11.40% -0.46% 5.52% Investment Performance  Growth Asset Weighting* Performance to 30 June 2010     1yr 3yr 5yr Cash Plus 0% 4.76% 3.64% 4.33% Capital Stable 35% 10.07% 2.41% 5.00% Balanced 55% 11.52% 0.49% 4.98% Diversified 80% 12.86% -1.62% 5.08% High Growth 95% 13.72% -3.03% 5.00% Basic Cash 0% 3.09% n/a n/a Cash 0% 4.64% 3.84% 4.53% Bonds 0% 12.44% 6.91% 5.63% Shares 100% 15.25% -5.77% 4.12% Property 100% 0.11% 0.52% 5.72% Australian Shares 100% 20.63% -3.97% 7.27% Overseas Shares 100% 9.49% -8.22% 0.44% * The allocation to growth and defensive assets for all options may vary from time to time within the ranges shown in REST's PDS Insurance Available: Death, Death/TPD, Income Protection. Extra Benefits: Pension, Financial Planning, Financial Seminars, Online Account Details, Online Transactions. Retirement planning, low rate home loans, health insurance, travel insurance and banking. Discount on the asset based fee for members who purchase a REST Pension when they retire. See the REST Pension PDS for more information. Member Communications: Membership, insurance and investment booklets; Publications and investment performance available on website, 6 month employee reports, and quarterly newsletters. Online statements and newsletter option available at no extra cost. FEES Contribution fee NIL Withdrawal fee NIL (The first withdrawal or partial withdrawal is free, then $25 per withdrawal thereafter.) Asset-based fee 0.1% pa of your account balance Insurance fee Variable, depending on the cover you choose Management Cost - member fee ($ per week / annum) $1.15 per week Management Cost - investment fee (% p.a) As at 30 June 2009, 0.06% to 0.76% depending on your chosen investment option. The fees include Performance fees of up to 0.24% Switching fee First 4 switches per financial year are free, thereafter $20 per switch << Back to Main Listings Page