Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Retail platform
HUB24 Super is an adviser platform with Discover, Core and Choice menus. The reason to consider it is the portfolio and administration functionality that a particular member needs.
The product is offered through an advice relationship; the current PDS and target market determination set the application rules.
Retail fund brand
Pearler Super is a digital accumulation account for members who want to choose ETFs and other approved ASX securities.
The PDS allows a zero initial investment, but an operating cash balance is required once the account is funded.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
The costs and returns belong to the selected product, option or lifecycle stage.
Source: APRA Comprehensive Product Performance Package 2026, published 28 August 2026. Fees reflect the reporting year to 30 June 2026, are net of tax, use standard arrangements and exclude member-activity fees. Dollar figures are rounded. They are not a current quote. Check the latest PDS for changes, insurance premiums and any separately charged advice.
Returns are annualised historical results. Different return bases, risk levels and periods cannot be treated as interchangeable. MySuper net returns use a $50,000 representative balance even when you change the fee balance. A lifecycle stage return does not track a person moving between stages. Missing figures mean not reported, not zero. Past returns do not predict future returns. Read our method and APRA's definitions.
| What to compare | HUB24 | Pearler Super |
|---|---|---|
| Membership and access | The product is offered through an advice relationship; the current PDS and target market determination set the application rules. Sources123 | The PDS allows a zero initial investment, but an operating cash balance is required once the account is funded. Sources123 |
| Accounts and products | HUB24 Super with menu and account variants. Sources123 | Pearler Personal Super accumulation. Sources123 |
| Investment choices | Discover provides a streamlined managed-portfolio selection. Core and Choice offer other levels of investment breadth. Sources123 | Members can choose from a menu of ETFs and other ASX-listed securities through the Pearler apps. Sources123 |
| Insurance | A separate HUB24 Super Insurance Guide sets out available cover and conditions. Sources123 | There is no integrated insurance. Moving an entire balance from another fund can end the cover held there. Sources123 |
| Retirement income | The cash account processes pension payments as well as investment trades and fees. Retirement features depend on the selected account. Sources123 | The current PDS does not offer a pension account. Sources123 |
| Advice and support | Advisers use the platform to construct and manage client portfolios. Advice fees need to be included in any total-cost assessment. Sources123 | The app offers investment tools. Any advice arrangement should be assessed separately from access to those tools. Sources123 |
| Fee details to check | Calculate costs using the selected menu, balance and investments. Add adviser and managed-portfolio fees, plus transaction and underlying investment costs. Sources123 | Administration fees apply to the first $500,000, with eligible family-group caps. Add underlying investment costs, transactions and the effect of the cash account. Sources123 |
| Comparing investment performance | A HUB24 account does not have one standard return. Compare a specific proposed portfolio and its complete fees. Sources123 | Performance depends on the actual securities and cash held. There is no single Pearler portfolio return that applies to everyone. Sources123 |
THE SUPERGURU VIEW
A relevant comparison for someone paying for ongoing advice who will use the platform's portfolio features.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
May suit a member who can construct and maintain a diversified listed portfolio and has separately considered insurance.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
Use the membership rules to establish which accounts are available to you. Then compare the total price of the investment option and cover you need. A lower fee or higher historical return alone does not tell you which fund is suitable.
Ask both funds to confirm insurance acceptance, exclusions, waiting periods and whether cover would change when you leave your employer. Obtain advice before giving up a defined benefit or an insurance policy you may not be able to replace. ASIC Moneysmart explains the comparison checks.
Read the full HUB24 profile · Read the full Pearler Super profile · Choose another comparison
Checked 2026-09-11. Documents and product terms can change after this date.
Checked 2026-09-11. Documents and product terms can change after this date.