Retail Employees Superannuation Trust (REST) Principal Contact: REST Pension Customer Service Centre Customer Service: Website:  1300 305 778  www.rest.com.au/pension Address: Locked Bag 5042 Parramatta NSW 2124 Overview:   REST Pension is a division of REST Industry Super, one of Australia's most established superannuation funds, operating since 1988. REST Industry Super is a profit-to-members fund and is open to all Australians. REST is Australia's largest superannuation fund by membership, with over 1.9 million members and more than $20 billion of funds under management. REST has been awarded by Money Magazine, Best Growth Super Fund 2010 and 2011, SuperRatings Fund of the Year Finalist 2011 and 7 Year Platinum Performer 2004-2011, AFR Smart Investor Blue Ribbon Awards 2009 and 2010 Industry Fund of the Year, and SelectingSuper Retirement Fund of the Year and Workplace Super Product of the Year 2010. Year of Establishment: 2002 Value of pension Funds: $740 million Fund Classification: Public offer industry fund. Key Features: Consistently competitive long term performance Competitive and simple fee structure with discount for high balances Run only to profit members Choice of 13 investment options Online access to member accounts Contact Centre support Monday to Friday 8am to 6pm AEST Access to non-commission based financial planning through Money Solutions - REST will pay for your first single superannuation question over the phone with a Money Solutions Coach Comprehensive communication and reporting including online newsletter and statements Regular free seminars and education Access to discount health and travel insurance benefits Flexible pension payment frequency (twice weekly, monthly, quarterly, half yearly and yearly) Anti-detriment payments Non-lapsing binding beneficiary nominations Administrator: Australian Administration Services Auditor: PricewaterhouseCoopers  Custodian: State Street Asset Consultant: JANA Investment Advisers Lawyers: DLA Phillips Fox TurksLegal Clayton Utz 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 actively manages this option. 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. All options are rebalanced to the specific asset allocation on a weekly basis. 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, Tailored 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*     7 year return 5 year return   1 year return Core Strategy 75% n/a n/a 10.71% Cash Plus 0% 5.30% 5.07% 5.51% Capital Stable 35% 6.74% 5.56% 7.71% Balanced 55% 7.01% 4.89% 7.96% Diversified 80% 7.46% 4.23% 8.15% High Growth 95% 7.47% 3.65% 8.11% Basic Cash 0% n/a n/a 4.97% Cash 0% 5.41% 5.23% 5.53% Bonds 0% 7.41% 7.53% 8.14% Shares 100% 6.89% 1.36% 5.18% Property 100% 6.80% 5.58% 6.91% Australia Shares 100% 10.94% 5.44% 9.61% Overseas Shares 100% 1.39% -3.07% 0.95% * 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 three and five year investment periods are annualised compound averages. Past performance is not necessarily an indicator of future performance. Extra Benefits: Pension, financial planning, financial seminars, online account details, online transactions. 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. FEES Contribution fee NIL Administration fee $1.25 per week Asset-based fee Total member account balance Total Asset-based fee %pa First $300,000 0.18% Next $500,000 0.12% Portion of balance over $800,000+ 0.00% Yearly asset based fee is capped at $1,140 Management Costs - investment fee (%pa) As at 30 June 2010, 0.06% to 0.70% (depending on the member's investment option for the year to 30 June 2010). This fee includes performance fees of up to 0.14%. Switch fee First 4 switches per financial year are free, thereafter $20 per switch Withdrawal fee The first withdrawal (either full or partial), is free, then $25 per withdrawal thereafter. Termination fee Nil. If you have made a previous withdrawal, a $25 withdrawal fee will apply as described above. << Back to Main Listings Page