Rest Pension


Established in 1988, Rest is one of Australia's largest super funds by membership, with around 2 million members and around $50 billion in funds under management as at 31 December 2017.

Rest Pension is an award-winning, tax-effective product which provides members with regular income payments. It offers a transition to retirement option, as well as an account-based pension for those who have fully retired.

Rest members benefit from competitive long-term returns and fees, and great
customer service.

Product Inception Date


Product Size

$3.39 billion



Key Features

  • Competitive investment performance - Balanced option (Rest Pension default investment option) has returned 6.51% for the 10 years to 31 December 2017.
  • Run only to benefit members, Rest pays no financial advice commissions or profit to shareholders.
  • Choice of 13 investment options.
  • Transition to retirement option.
  • A range of beneficiary nomination options including reversionary and non-lapsing.
  • Flexible pension payment frequency.
  • Access to non-commission based financial advice.
  • Comprehensive and personalised communication, education and retirement seminars, and regular reporting including online newsletters, interactive digital and new Rest App.
  • Great range of member benefits including discounted health and travel insurance, special banking offers and more.

Investment Option Descriptions

Investment Options Description 
Core Strategy 24% defensive, 76% growth mix of shares, bonds (both Australian and overseas), property, infrastructure, alternative assets and cash. Aims to achieve a balance of risk and return by investing in both growth assets and defensive assets. The Trustee reviews and adjusts the asset allocation for this option on a regular basis.
Structured options Members can choose to invest from five structured options which are diversified across asset classes to match different investor needs. These options are multi-manager portfolios.
Member-tailored options Members who want to personalise their portfolio can choose from seven member-tailored options including Basic Cash, Cash, Bond, Property, Shares, Australian shares and Overseas shares. These can also be mixed in any combination and proportion to create a fully customised investment portfolio. For more information visit

Investment Option Performance

Investment Option* Growth Asset Weighting* 1 year 3 yrs
5 yrs
10 yrs
Core Strategy 76% 11.96% 8.11% 10.78% 7.14%
Cash Plus 0% 2.43% 2.44% 2.94% 3.78%
Capital Stable 38% 7.10% 5.45% 7.04% 6.12%
Balanced 57% 9.50% 7.03% 9.14% 6.51%
Diversified 77% 12.13% 8.83% 11.72% 6.99%
High Growth 93% 14.14% 10.01% 13.36% 7.22%
Basic Cash 0% 1.68% 1.93% 2.26% n/a
Cash 0% 2.19% 2.38% 2.72% 3.71%
Bond 0% 3.44% 2.84% 4.39% 6.89%
Shares 100% 16.76% 10.47% 15.63% 7.02%
Property 100% 14.13% 11.94% 10.62% 6.29%
Australian Shares 100% 16.15% 10.22% 12.78% 6.85%
Overseas Shares 100% 16.71% 10.29% 17.55% 6.61%

Asset weightings and Performance as at 31 December 2017

* The allocation to growth and defensive assets for all options may vary from time to time within the ranges shown in the Rest Pension Product Disclosure Statement available at  N/A applies to options running less than the indicated time periods. All returns are post investment fees and untaxed. Returns for the three, five and ten year investment periods are annualised returns. Past performance is not an indicator of future performance.

Extra Benefits Available

Transition to retirement account, financial advice, online account access, online investment switching, plus a great range of member benefits including discounted health and travel insurance, special banking offers and more.

Member Communications

Member newsletters and regular investment updates, education and retirement seminars, online knowledge hub for super tips, videos and more, annual interactive digital statements.

Fees & Charges

Establishment fee Nil
Contribution fee Nil
Withdrawal fee Nil
Termination fee Nil
Management Cost - ongoing fee A yearly asset-based fee is based on your account balance:
Account balance Yearly asset-based fee
First $300,000 0.18%
Next $500,000 0.10%
Portion over $800,000 0.00%
Yearly asset-based fee is capped at $1,040.
Management Cost - investment fee From 0.05% pa to 0.78%pa (depending on the member's investment option for the year to 30 June 2017). These fees include estimated performance fees of up to 0.16%pa (as at 30 June 2017).
Management Cost - member fee $67.6 pa
Indirect cost ratio From 0.00% to 0.35% pa (depending on the member's investment option for the year to 30 June 2017).
Switching fee Nil
Additional Adviser Servicing fee Nil, however a fee (negotiated between the member and the adviser) may be charged if a person obtains personal financial product advice.
Other Buy spread range up to 0.35% (as at 31 December 2017) depending on investment option, sell spread is 0.00%
Family law split fee $50 per split

# Please refer to the Rest Pension Product Disclosure Statement available at for more information relating to product fees and charges.

Service Providers

Service Providers
Administrator Australian Administration Services
Asset Consultant JANA Investment Advisers
Auditor PricewaterhouseCoopers
Custodian State Street Australia
Lawyer Allens, Clayton Utz, Corrs Chambers Westgarth, Hall & Wilcox, Herbert Smith Freehills, King & Wood Mallesons, Lander and Rogers, Madgwicks, Minter Ellison, Norton Rose Fulbright Australia, Turks Legal, Gilbert and Tobin and Venebles Lawyers
$3.39 billion
Principal Contact
Rest Customer Service Centre
Member Telephone
1300 305 778
Locked Bag 5042 Parramatta NSW 2124
Member Email
Online contact form via our website
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