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.
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 | Pearler Super | REI Super |
|---|---|---|
| Membership and access | The PDS allows a zero initial investment, but an operating cash balance is required once the account is funded. Sources123 | Anyone can join, including people outside real estate, subject to the product rules. Industry membership is not a requirement. Sources1234 |
| Accounts and products | Pearler Personal Super accumulation. Sources123 | Superannuation, transition-to-retirement and pension accounts. Sources1234 |
| Investment choices | Members can choose from a menu of ETFs and other ASX-listed securities through the Pearler apps. Sources123 | Diversified and sector-specific investment options. Members can select their own investment mix. Sources1234 |
| Insurance | There is no integrated insurance. Moving an entire balance from another fund can end the cover held there. 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 | The current PDS does not offer a pension account. 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 | The app offers investment tools. Any advice arrangement should be assessed separately from access to those tools. 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 | 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 | 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 | Performance depends on the actual securities and cash held. There is no single Pearler portfolio return that applies to everyone. 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
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
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 Pearler 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.