Founded in 1988, Rest Super is an Industry super fund that is primarily linked to the retail sector.
As of September 30th 2024 they had approximately 2.10 million members and $89.28 billion in assets under management.
Please Note: Any advice on this page is general in nature and does not take into account your objectives, financial situation or needs. Consider whether this is right for you. See full disclaimer.
Past performance is not a reliable indicator of future performance.
Rest Super’s performance across their main investment options generally compares favorably to the median performance of their risk categories although it’s somewhat mixed.
Select an investment option from the menu below to see performance Vs the relevant median.
Check out our more in depth analysis of Rest Super Performance.
See Rest Super vs AustralianSuper to see how they compare with Australia’s biggest super fund and for a comparison against all funds see compare super funds.
Fees for the MySuper – Core Strategy investment option is close to the median of investment options of the same risk category listed on Review My Super.
Select an investment option from the menu below to see flat fees, percentage based fees and total fees on a balance of $50,000.
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Rest - Australian Shares Indexed | 13.06% | 13% | 11.4% |
| Median | 11.7% | 11.4% | 10.3% |
| Rest - Australian Shares Indexed VS Median | 1.36% | 1.6% | 1.1% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Rest - Australian Shares Indexed | 78 | 0.3% | $228 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 100% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Rest - High Growth | 11.62% | 11.59% | 10.87% |
| Median | 11.7% | 11.4% | 10.3% |
| Rest - High Growth VS Median | -0.08% | 0.19% | 0.57% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Rest - High Growth | 78 | 0.95% | $553 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 32% | |
| 2 | International Shares | 48% | |
| 3 | Fixed Interest | 1.75% | |
| 4 | Alternative | 10.5% | |
| 5 | Property | 6% | |
| 6 | Other | 1.75% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Rest - Overseas Shares Indexed | 16.39% | 18.3% | 14.26% |
| Median | 11.7% | 11.4% | 10.3% |
| Rest - Overseas Shares Indexed VS Median | 4.69% | 6.9% | 3.96% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Rest - Overseas Shares Indexed | 78 | 0.27% | $213 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | International Shares | 100% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Rest - Cash | 4.12% | 3.71% | 2.48% |
| Median | - | - | - |
| Rest - Cash VS Median | 4.12% | 3.71% | 2.48% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Rest - Cash | 78 | 0.24% | $198 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Cash | 100% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Rest - Sustainable Growth | 14.93% | 12.07% | - |
| Median | 11.7% | 11.4% | - |
| Rest - Sustainable Growth VS Median | 3.23% | 0.67% | - |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Rest - Sustainable Growth | 78 | 0.71% | $433 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 30% | |
| 2 | International Shares | 45% | |
| 3 | Fixed Interest | 6% | |
| 4 | Alternative | 10% | |
| 5 | Property | 6% | |
| 6 | Cash | 3% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Rest - Balanced Indexed | 11.58% | 12.03% | 9.43% |
| Median | 10.5% | 9.6% | 8.4% |
| Rest - Balanced Indexed VS Median | 1.08% | 2.43% | 1.03% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Rest - Balanced Indexed | 78 | 0.27% | $213 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 30% | |
| 2 | International Shares | 45% | |
| 3 | Fixed Interest | 20% | |
| 4 | Cash | 5% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Rest - Balanced | 8.07% | 7.23% | 6.83% |
| Median | 8.8% | 7.7% | 6.6% |
| Rest - Balanced VS Median | -0.73% | -0.47% | 0.23% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Rest - Balanced | 78 | 0.88% | $518 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 16% | |
| 2 | International Shares | 24% | |
| 3 | Fixed Interest | 22% | |
| 4 | Alternative | 15% | |
| 5 | Property | 9% | |
| 6 | Other | 3% | |
| 7 | Cash | 11% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Rest - Capital Stable | 6.42% | 5.33% | 4.92% |
| Median | 7.3% | 5.9% | 4.6% |
| Rest - Capital Stable VS Median | -0.88% | -0.57% | 0.32% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Rest - Capital Stable | 78 | 0.8% | $478 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 8% | |
| 2 | International Shares | 12% | |
| 3 | Fixed Interest | 32% | |
| 4 | Alternative | 17% | |
| 5 | Property | 9% | |
| 6 | Other | 2% | |
| 7 | Cash | 20% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Rest MySuper - Growth | 9.85% | 9.25% | 8.38% |
| Median | 10.5% | 9.6% | 8.4% |
| Rest MySuper - Growth VS Median | -0.65% | -0.35% | -0.02% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Rest MySuper - Growth | 78 | 0.89% | $523 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 23.5% | |
| 2 | International Shares | 35.5% | |
| 3 | Fixed Interest | 11.5% | |
| 4 | Alternative | 12.5% | |
| 5 | Property | 8.5% | |
| 6 | Other | 3.5% | |
| 7 | Cash | 5% |
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Rest - Growth | 9.85% | 9.25% | 8.38% |
| Median | 10.5% | 9.6% | 8.4% |
| Rest - Growth VS Median | -0.65% | -0.35% | -0.02% |
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Rest - Growth | 78 | 0.89% | $523 |
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 23.5% | |
| 2 | International Shares | 35.5% | |
| 3 | Fixed Interest | 11.5% | |
| 4 | Alternative | 12.5% | |
| 5 | Property | 8.5% | |
| 6 | Other | 3.5% | |
| 7 | Cash | 5% |
Whilst default cover is available for Death cover, Total and Permanent Disability cover and Income Protection cover, you can apply to increase your cover above the default rates, with the following limits in addition to default cover:
Death – No limit.
TPD – $5 million.
Income protection – The lesser of 77% of your monthly income plus up to 12% super contributions or $30,000.
Insurance is provided by TAL Life Limited.
Insurance rating by Omnilife.
Please note: This is the overall rating before individual circumstances are taken into account. Individual circumstances will vary the rating significantly.
See the Rest Super ABN and USI page for all the information required to contribute to this fund.
Read their PDS and TMD for further details.
Rest Super has had generally favorable performance although it’s somewhat mixed from option to option vs the median option across it’s main investment options. Fees for these options are close to the median compared to options of the same risk category listed on Review My Super.
Based on this information, it may be a good option depending on the individuals risk profile and other individual preferences.
However, there are many factors which determine whether a super fund is good or bad and it can differ depending on personal requirements. It’s best to seek advice from a qualified adviser in order to work out which is the best super fund for you.
Yes, it’s an industry super fund predominantly for the retail industry. However, membership is open to anyone.
Rest Super Reviews: 1.9 out of 5 stars from 18 customer reviews on Australia’s best superannuation review site Review My Super.
See more Super Fund Reviews to compare ratings and reviews across funds.
Disgraceful since you refuse to negotiate with me when my daughter died suddenly in a car accident, too damn lazy and unprofessional to call on the telephone, do you think I am not worth your trouble. Very impersonal and disgusted with your fund, will never recommend you at all and I will tell you about your poor service.
Very Poor!!!
Awfull to deal with, have little confidence in them
Very little communication skills
Disgusting customer service difficult to deal with make it impossible to get ur money out and make a very stressful time even more stressful
Worst customer service ever I am tired of their mistakes sending out old forms then trying to blame the customer, setting up accounts not informing the customer that there is another super fund every thing has to be done twice by the customer in the mean time the customer is losing money. Worst company ever
I tried to access my super under severe financial hardship due to a domestic violence relationship. It prides itself on making payment on the 5th day after application was received, 17 business days later im still waiting because every time i hit day 5 the find some excuse to restart the process. 3 times they have restarted my application now they’ve decided to restart it again!!
What is their definition out financial hardship?!?
Good so far!
reliable with the market and low fees
Rest are an Absolute disgrace of a Super Fund. 22 months after lodging an income protection claim with them and I have yet to receive an outcome. My Lawyer has contacted them time and time again, and Rest still have not given any reason for their delay in making a decision. I have all reports needed to prove I qualify for income protection. As a result of having no income, Rest have plunged myself and my family into severe financial distress. Rest have stopped me from receiving the medical treatments I need to recover from my injury as I cannot pay for these treatments with no means of income. Rest are legally obliged to payout income protection when you qualify for it. I have been paying into my Rest Super Fund for 12 years now and still am, yet that does not matter.Members Do Not Matter to Rest Superannuation, Just our weekly contributions. If you go on all the Rest platforms, you will be shocked with the hundreds of bad reviews from their members that state the extent of the damage done to them by Rest one way or another. I know that all Super Funds in Australia are supposed to be monitored by the Federal Government, so as I have nothing to loose now, it looks like I will have to bring to the PM,’s attention this underhanded, unethical and dishonest Super Fund. Feel The Fairness their new add on the telly, Yeh Right!!!!
very little increase over the last two years, lost most of the money going in. was alright before then
Shocking performance and returns, I check my balance daily and its going backwards. In 2021-2022 I lost not only all growth but practically ALL monies paid in too!!!! And it continues this year……REST has gone from best to worst.
AMAZING
Retired, submitted an online form to get some of my money to pay bills n no response, I’ve called to be told five days to get processed but still nothing
Never go with this company. They seemed like they refused to give your money and make your life hard to get the money. I left the country and wanting to get back all my money, been going back and forth since January and still not getting my money. Any issue, don’t expect them to come back to tell you. You have to keep on asking like a beggar as if you owe them money.
Absolutely disheartening experience. AIA paid a lump sum to my super account and 5 weeks later it is still not in my account. I have rung 4 times and received 4 different responses. I can’t speak to the allocation team and nobody senior will speak to customers. After posting a bad review they started calling me with so called ‘updates’ on action that had NOT been taken, now they’ve stopped calling and my money is still not in my account! I am so frustrated and completely disappointed in REST.
I am a struggling pensioner trying to access my account and I have been blocked at every attempt.The result is that I am about to lose my home and all my possessions.
Rest App is very good. Some of Rests products underperform versus Industry best performers.