Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Retail fund brand
Raiz Invest Super gives members ready-made portfolios and a Plus option that allows more investment customisation through the Raiz app.
Available under the current Raiz Invest Super PDS and member guide.
Retail investment platform
Rhythm Super is an IOOF-operated platform administered by HUB24, with an adviser-selected investment menu.
The service is offered through advisers. Confirm the current product requirements with the adviser and super PDS.
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 | Raiz Invest Super | Rhythm Super |
|---|---|---|
| Membership and access | Available under the current Raiz Invest Super PDS and member guide. Sources123 | The service is offered through advisers. Confirm the current product requirements with the adviser and super PDS. Sources12 |
| Accounts and products | Raiz Invest Super accumulation. Sources123 | Rhythm Super and Pension. Sources12 |
| Investment choices | Nine portfolios include different diversified risk levels, Emerald, Property 10, Property 30 and Plus. Limits apply to shares and selected ETFs in Plus. Sources123 | The menu includes managed funds, shares, ETFs, term deposits and separately managed accounts. Approved advisers can use the IOOF Managed Portfolio Service. Sources12 |
| Insurance | Insurance is available when cover is held. The product documents include insurance-policy changes issued in June 2026. Sources123 | Check the current Rhythm Super PDS and any policy proposal for insurance access; HUB24-branded account terms are not automatically Rhythm terms. Sources12 |
| Retirement income | The reviewed pages do not establish a dedicated pension account; verify an income-stream pathway before retirement. Sources123 | A pension product is available alongside super. Sources12 |
| Advice and support | Product support is available through Raiz. Personal advice should be scoped separately. Sources123 | Advisers use the platform's transaction, portfolio and reporting tools to manage the member's account. Sources12 |
| Fee details to check | The $50,000 Plus cost example excludes underlying accessible-product costs, which depend on the investments selected. Include those costs before comparing with a ready-made portfolio. Sources123 | Obtain a complete estimate including account administration, underlying investments, trading, cash and advice. The technology provider's fee schedule is not necessarily the Rhythm schedule. Sources12 |
| Comparing investment performance | Compare the precise super portfolio, not the returns of a regular Raiz account with different cash flows or fees. Sources123 | Use the selected investments and actual account costs. A return from another IOOF or HUB24 product does not represent Rhythm. Sources12 |
THE SUPERGURU VIEW
Worth comparing for someone who wants its particular portfolio choices and will use the app to manage their account.
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 an advised member whose investment strategy requires this menu and administration service.
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 Raiz Invest Super profile · Read the full Rhythm 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.