Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Industry fund
Prime Super is an independent fund with rural and regional roots. Its members work across agriculture, health, education, aged care, recruitment and other industries.
Serves members across several industries. Check the joining criteria and any employer-specific insurance arrangements in the current member guide.
Industry fund
Rest pairs its Growth default with indexed and other investment choices. Its published indexed investment costs make it useful to compare total account charges carefully.
Check the Rest Super or Rest Corporate PDS for the relevant membership and insurance terms. This profile covers the public Rest Super proposition rather than every employer arrangement.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
| Measure | MySuper | MySuper |
|---|---|---|
| Return basis | MySuper net return after administration costs, $50,000 representative member | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | 8.49% | 9.17% |
| 5-year return, per year | 5.59% | 6.66% |
| 7-year return, per year | 6.35% | 6.91% |
| 10-year return, per year | 7.00% | 7.35% |
| APRA strategic growth allocation | 75.75% | 76.24% |
| Reported total fees, net of tax, at $50,000 | $505 a year (1.01%) | $405 a year (0.81%) |
| Administration and advice costs, net of tax (included in total) | $235 a year | $130 a year |
| 2026 performance test | Pass | Pass |
| New-member status at reporting date | Check the current product eligibility rules | Check the current product eligibility rules |
At $50,000, the reported annual total-cost difference is $100. Rest's selected reporting pathway has the lower reported cost on this measure. The figures cover the year to June 2026; current prices, insurance and separately charged advice can change the comparison.
The growth allocations are 75.75% and 76.24%. A return gap can reflect different exposure to growth assets, and similar headline allocations can still contain different investments.
A performance-test pass is a benchmark result for the tested product or pathway. It is not an endorsement or a guarantee of future performance.
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 | Prime Super | Rest |
|---|---|---|
| Membership and access | Serves members across several industries. Check the joining criteria and any employer-specific insurance arrangements in the current member guide. Sources1234 | Check the Rest Super or Rest Corporate PDS for the relevant membership and insurance terms. This profile covers the public Rest Super proposition rather than every employer arrangement. Sources5 |
| Accounts and products | Superannuation and retirement income products. Sources1234 | Rest Super, Rest Corporate and Rest Pension have separate disclosure documents. Rest Super Rest Corporate Rest Pension Sources45 |
| Investment choices | Members can choose a mix of investment options or use the MySuper default. The menu includes diversified choices and sector options such as Australian shares, international shares, property and cash. Sources1234 | Growth Growth is Rest's default option. The choice menu includes Growth - Indexed, Australian and overseas share index options, and Sustainable Growth. An indexed option's investment fee does not include every charge incurred by the account. Sources12 |
| Insurance | The member guide describes insurance choices. Use the cover available under your employer or personal membership arrangement when comparing benefits. Sources1234 | Rest publishes separate insurance guides for Super and Corporate accounts. Check the active cover shown in your account, its benefit definitions and current premiums; insurance changes and employer arrangements can affect what you receive. Sources3 |
| Retirement income | Income Stream accounts are available. The investment option corresponding to MySuper is called Balanced for pension accounts, so comparisons must use the correct account phase. Sources1234 | Rest Pension has a separate PDS and investment information. Use its retirement product details when comparing payments, investment choice and charges rather than assuming a Rest Super comparison also covers retirement. Sources4 |
| Advice and support | The fund has superannuation specialists and a book-a-chat service. Confirm whether you are receiving general guidance or personal advice, and the fee for any detailed plan. Sources1234 | Simple personal advice about a Rest account is generally available at no extra cost. More complex advice can incur a fee and Rest states that this may not be payable from the Rest account. Sources3 |
| Fee details to check | Use the member guide and each option's current fee disclosure. Investment costs vary with the chosen portfolio, and insurance is a separate comparison. Sources1234 | Rest's fees combine a weekly administration charge, a percentage administration charge, costs paid from reserves, investment costs and transaction costs. Buy spreads can apply when money enters an option. The current fee page says investment and transaction costs are forecast to increase for the year ending June 2027, so the displayed prior-year cost is not a guaranteed future quote. Sources34 |
| Comparing investment performance | Prime publishes returns by option and period. Its current page refers to periods ending 30 June 2026; any ranking needs the same dates, peer group and fee basis on both sides. Sources1234 | Use returns for the exact option and account type, with a common end date and a clear statement of fees deducted. Growth, Growth - Indexed and Sustainable Growth are distinct strategies and should not share a single performance figure. Keep Growth and Growth - Indexed separate in all fee and return tables. State whether the comparison includes costs paid from reserves and buy spreads. Sources123456 |
THE SUPERGURU VIEW
Worth researching for someone who values a fund with experience in rural work and care industries, particularly when its member support is useful to them.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
Rest is worth looking at when building a shortlist of simple indexed portfolios. The useful comparison is the whole annual cost at your balance, including administration and any spread on contributions. A zero investment-fee line can be accurate while the account still has other charges.
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 Prime Super profile · Read the full Rest 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.