Rest Super vs UniSuper – 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.
UniSuper is an Industry super fund and is linked to Australia's higher education and research 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 UniSuper: How do fees compare?
When comparing Rest Super and UniSuper, Rest Super has annual percentage based fees, with a 0.79% investment based fee, compared to UniSuper’s percentage based fees of 0.48% Rest Super has a flat fee of 78, while UniSuper has a flat fee of 96.
Rest Super vs UniSuper: How does performance compare?
| Rest Super | UniSuper | |
| Type of fund | Industry fund linked to the retail industry. | Industry fund linked to Australia's higher education and research industries. |
| Members | 1.76 Million | 498K |
| Default Fees (Based on 50K) | $473 | $336 |
| Asset Allocation (MySuper option) | Rest - Core Strategy: International Shares - 33% Australian Shares - 23% Alternative - 14% |
UniSuper Personal - Balanced : International Shares - 33% Australian Shares - 30% Alternative - 6% |
| Performance (MySuper option)* | Rest - Core Strategy: 1 Year: 7.41% 3 Year: 7.48% 5 Year: 5.46% |
UniSuper Personal - Balanced : 1 Year: 8.41% 3 Year: 6.76% 5 Year: 6.45% |
| Product Disclosure Statement | Rest Super Product Disclosure Statement | UniSuper Product Disclosure Statement |
For a more comprehensive breakdown of perfomance see our Rest Super Performance and UniSuper Performance pages.
*Performance as at 31-08-2023.
How does Rest Super and UniSuper 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 71, whilst UniSuper received a 69 for its insurance options.
Interested in seeing how Rest Super and UniSuper compared to other popular super funds? Review My Super provides valuable insights on the best and worst performing super funds, so that you can make informed decisions on where you invest your money.
Review My Super can review every Super Fund in Australia and can help you understand what YOUR money is doing for YOU!