Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Retail fund brand
Nationwide Super offers an age-based default, a personalised GoalTracker Plus strategy and a menu for members who want to choose investments themselves.
Employer and personal membership terms differ, particularly for automatic insurance.
Industry fund
REI Super is built around real estate and property work, including the insurance needs of people paid by commission. Membership is open beyond that industry.
Anyone can join, including people outside real estate, subject to the product rules. Industry membership is not a requirement.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
| Measure | Choose an investment option | Rei Super MySuper |
|---|---|---|
| Return basis | Choose an option | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | Choose an option | 8.45% |
| 5-year return, per year | Choose an option | 5.61% |
| 7-year return, per year | Choose an option | 6.28% |
| 10-year return, per year | Choose an option | 6.45% |
| APRA strategic growth allocation | Choose an option | 73.25% |
| Reported total fees, net of tax, at $50,000 | Choose an option | $480 a year (0.96%) |
| Administration and advice costs, net of tax (included in total) | Choose an option | $120 a year |
| 2026 performance test | Choose an option | Pass |
| New-member status at reporting date | Check the current product eligibility rules | Check the current product eligibility rules |
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 | Nationwide Super | REI Super |
|---|---|---|
| Membership and access | Employer and personal membership terms differ, particularly for automatic insurance. Sources123 | Anyone can join, including people outside real estate, subject to the product rules. Industry membership is not a requirement. Sources1234 |
| Accounts and products | Nationwide Super products within Russell Investments Master Trust. Sources123 | Superannuation, transition-to-retirement and pension accounts. Sources1234 |
| Investment choices | GoalTracker MySuper adjusts by age. GoalTracker Plus uses information the member supplies; members can instead choose diversified, low-carbon, sector or indexed options. Sources123 | Diversified and sector-specific investment options. Members can select their own investment mix. Sources1234 |
| Insurance | Eligible employer members receive automatic Death and TPD. Income Protection requires an application and insurer acceptance. Sources123 | Death, TPD and income protection are available, depending on age and employment status. The fund specifically describes insurance for commission-based salaries. Sources1234 |
| Retirement income | Check the current retirement product documents and advice service for the account you plan to use. Sources123 | The default pension strategy combines Balanced and Cash and rebalances the allocation by age. The Cash allocation funds nearer-term income needs, while Balanced retains growth exposure. Sources1234 |
| Advice and support | A Super Adviser service can help with investments and insurance. Ask what is included and what incurs a fee. Sources123 | Members can access financial advice, including help with investment choice and retirement. Check the scope and cost of the service requested. Sources1234 |
| Fee details to check | Use Nationwide's own insurance, fees and costs guide. A shared Russell APRA product label is not evidence that all brands have identical costs. Sources123 | Use the current schedule for super or pension and the chosen investment option. Compare any insurance quote using the same definition of commission income. Sources1234 |
| Comparing investment performance | Published returns are net of investment fees, investment taxes where applicable and the trustee administration fee. GoalTracker Plus members should use their own statement for personalised returns. Sources123 | Super and pension performance are published separately. Compare current returns across a shared date range and similar exposure to growth assets. Sources1234 |
THE SUPERGURU VIEW
Worth examining for someone who wants help setting an investment strategy but wants to retain the option to build their own mix.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
Worth investigating for real estate salespeople and property professionals whose earnings pattern makes an ordinary salary-based insurance comparison incomplete.
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 Nationwide Super profile · Read the full REI 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.