Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Retail investment platform
Super Simplifier is an adviser-access super and pension account with direct investments and no MySuper default.
The PDS requires an authorised financial adviser to be nominated on the application.
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.
These brands share at least one legal super fund. They can still have different products, menus, fees or insurance. Check the exact account and investment pathway rather than counting them as unrelated funds.
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 | DASH Super Simplifier | Pearler Super |
|---|---|---|
| Membership and access | The PDS requires an authorised financial adviser to be nominated on the application. Sources12 | The PDS allows a zero initial investment, but an operating cash balance is required once the account is funded. Sources123 |
| Accounts and products | Personal Super, Transition to Retirement Pension and Standard Account-Based Pension. Sources12 | Pearler Personal Super accumulation. Sources123 |
| Investment choices | The menu includes ASX300 securities, ETFs, managed funds and term deposits. Eligible investments can be transferred in or out without selling, subject to the product's rules. Sources12 | Members can choose from a menu of ETFs and other ASX-listed securities through the Pearler apps. Sources123 |
| Insurance | Eligible personal super members can apply for life and terminal illness, total and permanent disablement, and income protection cover through MetLife. Sources12 | There is no integrated insurance. Moving an entire balance from another fund can end the cover held there. Sources123 |
| Retirement income | Account-based and transition-to-retirement pensions are available, with payment limits appropriate to each account. Sources12 | The current PDS does not offer a pension account. Sources123 |
| Advice and support | The authorised adviser helps build the investment strategy and can give instructions for the account. Sources12 | The app offers investment tools. Any advice arrangement should be assessed separately from access to those tools. Sources123 |
| Fee details to check | Include platform fees, underlying investments, trading, cash-account margin and adviser charges. Check the cash interest calculation in the current disclosure. Sources12 | 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 | Returns depend on the chosen portfolio and cash holding. There is no MySuper option to use as a universal benchmark. Sources12 | Performance depends on the actual securities and cash held. There is no single Pearler portfolio return that applies to everyone. Sources123 |
THE SUPERGURU VIEW
For members who want an adviser to implement a specific portfolio inside super.
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 DASH Super Simplifier 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.