Rest Super vs HESTA
Rest Super vs HESTA – These are two well known super funds – but do you know how they differ, or which could be the better fit for you? To make it easy, we’ve compared the key features of both funds side by side.
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. You should view their Product Disclosure Statement and Target Market Determination before making any investment decisions.
HESTA is an Industry super fund and is linked to the Health and Community Service industries. It is a fund with Open membership.
Rest Super is an Industry super fund and is linked to the retail industry. It is a fund with Open membership.
Rest Super vs HESTA: How do fees compare?
When comparing Rest Super and HESTA, Rest Super has annual percentage based fees, with a 0.82% investment based fee, compared to HESTA’s percentage based fees of 0.78% Rest Super has a flat fee of 78, while HESTA has a flat fee of 52.
Rest Super vs HESTA: How does performance compare?
| Rest Super | HESTA | |
| Type of fund | Industry fund linked to the retail industry. | Industry fund linked to the Health and Community Service industries. |
| Members | 2,106,250 | 1,107,750 |
| Default Fees (Based on 50K) | $488 | $442 |
| Asset Allocation (MySuper option) | Rest MySuper - Growth: International Shares - 35.5% Australian Shares - 23.5% Alternative - 12.5% |
HESTA MySuper - Balanced Growth : International Shares - 28% Australian Shares - 22% Alternative - 18% |
| Performance (MySuper option)* | Rest MySuper - Growth: 1 Year: 9.22% 3 Year: 9.99% 5 Year: 7.7% |
HESTA MySuper - Balanced Growth : 1 Year: 9.42% 3 Year: 10.3% 5 Year: 8.16% |
| Product Disclosure Statement | Rest Super Product Disclosure Statement | HESTA Product Disclosure Statement |
For a more comprehensive breakdown of perfomance see our Rest Super Performance and HESTA Performance pages.
*Performance as at 31-12-2025.
How does Rest Super and HESTA insurance compare?
Insurance is also an important factor to consider when looking at superannuation options, as some funds may also provide insurance cover – such as life cover and TPD insurance. Insurance fees will affect super balance, so ensuring you’re happy with the deal you have is vital. Based on ratings from Omnilife, Rest Super received an insurance rating of 68, whilst HESTA received a 65 for its insurance options.
Interested in seeing how Rest Super and HESTA compared to other popular Australian funds? Compare super funds and have a look at the best performing super funds to see how they stack up. Check out our guide on changing super funds so that you’re aware of everything involved when making a change.
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