Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
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.
Retail investment platform
Platformplus Super Wrap is an adviser-oriented account for managing a portfolio across super and pension.
Read the current PDS with your adviser to confirm access and the appropriate accumulation or pension arrangement.
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 | Pearler Super | Platformplus Super Wrap |
|---|---|---|
| Membership and access | The PDS allows a zero initial investment, but an operating cash balance is required once the account is funded. Sources123 | Read the current PDS with your adviser to confirm access and the appropriate accumulation or pension arrangement. Sources1234 |
| Accounts and products | Pearler Personal Super accumulation. Sources123 | Accumulation and pension portfolios. Sources1234 |
| Investment choices | Members can choose from a menu of ETFs and other ASX-listed securities through the Pearler apps. Sources123 | The menu spans managed funds, managed accounts, listed investments, ETFs, cash and term deposits. The approved menu sets limits and availability. Sources1234 |
| Insurance | There is no integrated insurance. Moving an entire balance from another fund can end the cover held there. Sources123 | The available PDS states that Platformplus does not offer insurance. Existing cover elsewhere cannot be replaced through this account. Sources1234 |
| Retirement income | The current PDS does not offer a pension account. Sources123 | Pension accounts and regular contribution arrangements are described in the product's super and pension materials. Sources1234 |
| Advice and support | The app offers investment tools. Any advice arrangement should be assessed separately from access to those tools. Sources123 | Adviser remuneration is separately agreed and authorised. The trustee does not select a personal portfolio for every member. Sources1234 |
| Fee details to check | 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 | Add platform charges, underlying investment costs, cash margins, transactions and adviser fees. Use your expected holdings and balance for the estimate. Sources1234 |
| Comparing investment performance | Performance depends on the actual securities and cash held. There is no single Pearler portfolio return that applies to everyone. Sources123 | Assess the actual portfolio and total costs. WRAP Super's fund-level data also covers other divisions and does not identify a Platformplus member's result. Sources1234 |
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.
THE SUPERGURU VIEW
An option for an advised investor who needs portfolio flexibility and consolidated reporting.
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 Pearler Super profile · Read the full Platformplus Super Wrap 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.