Rest Super


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 Super is an award-winning product with a MySuper offering. Rest Super is open to all, with automatic life stage insurance cover (subject to eligibility).

Rest Super members benefit from competitive fees and long-term performance, flexible insurance options and great customer service.

Product Inception Date


Product Size

$43 billion


Unique Superannuation Identifier (USI): RES0103AU

Key Features

  • Competitive long term performance - Core Strategy, the investment option for MySuper members in Rest Super has returned 6.52%p.a. for the 10 years to 31 December 2017.
  • An award-winning product with a MySuper offering.
  • Run only to benefit members, Rest pays no financial advice commissions or profit to shareholders.
  • Choice of 13 investment options.
  • Competitive fees.
  • Default insurance options (subject to eligibility) including Death, Total and Permanent Disablement (TPD) and Long-term Income Protection.
  • Access to non-commission based financial advice.
  • Online access 24/7 for member account management and online employer payment system.
  • Binding beneficiary nominations.
  • Comprehensive and personalised communication, education and retirement seminars and regular reporting including online newsletters, interactive digital statements and the 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, property, infrastructure, alternative assets and cash. The Trustee reviews and adjusts the asset allocation for this option on a regular basis.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% 10.68% 7.54% 10.00% 6.52%
Cash Plus 0% 2.02% 2.05% 2.50% 3.17%
Capital Stable 38% 6.32% 4.92% 6.33% 5.32%
Balanced 57% 8.57% 6.44% 8.31% 5.77%
Diversified 77% 11.05% 8.16% 10.72% 6.28%
High Growth 93% 12.97% 9.33% 12.33% 6.59%
Basic Cash 0% 1.42% 1.64% 1.93% n/a
Cash 0% 1.84% 2.01% 2.28% 3.09%
Bonds 0% 2.95% 2.49% 3.79% 5.90%
Shares 100% 15.58% 10.07% 14.64% 6.62%
Property 100% 12.76% 10.85% 9.54% 5.58%
Australian Shares 100% 15.46% 10.35% 12.22% 6.42%
Overseas Shares 100% 15.25% 9.38% 15.81% 6.07%

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 Super Product Disclosure Statement available at  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, five and ten year investment periods are annualised returns. Past performance is not an indicator of future performance.

Insurance Options Available

Death, Total and Permanent Disablement, Long-term Income Protection.

Extra Benefits Available

Access to 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

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

Employer Services

Access to Employer portal to pay super contributions and manage super accounts online, access to clearing house, newsletters, workplace seminars and visits, Employer Service Centre (1300 305 775).

Fees & Charges

Establishment fee Nil
Contribution fee Nil
Withdrawal fee Nil for the first withdrawal (regardless if full or partial) then $25 per withdrawal thereafter
Termination fee Nil
Management Cost - ongoing fee 0.1% pa of your account balance at the end of the month (fee capped at $800 pa)
Management Cost - investment fee From 0.05% pa to 0.81% pa (depending on the member's investment option for the year to 30 June 2017). These fees include performance fees of up to 0.18% (as at 30 June 2017)
Management Cost - member fee $67.60 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 up to 0.35% (as at 31 December 2017) depending on investment option
Sell spread is 0.00%
Contribution splitting fee $60 per split
Family law split fee $50 per split

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

Service Providers

Service Providers
Administrator Australian Administration Services
Investment Consultant JANA Investment Advisers
External Auditor PricewaterhouseCoopers
Custodian State Street Australia
Insurer AIA Australia
Lawyers Allens, Clayton Utz, Corrs Chambers Westgarth, Hall & Wilcox, Herbert Smith Freehills, King & Wood Mallesons, Lander and Rodgers, Madgwicks, Minter Ellison, Norton Rose Fulbright Australia, Turks Legal, Gilbert and Tobin and Venables Lawyers.
$43 billion
1.9 million
Principal Contact
Rest Customer Service Centre
Member Telephone
1300 300 778
Employer Telephone
1300 305 775
PO Box 350, Parramatta NSW 2124
Member Email
Online contact form via our website
Employer Email
Online contact form via our website
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