Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
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.
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.
| Measure | Rei Super MySuper | Choose an investment option |
|---|---|---|
| Return basis | MySuper net return after administration costs, $50,000 representative member | Choose an option |
| 3-year return, per year | 8.45% | Choose an option |
| 5-year return, per year | 5.61% | Choose an option |
| 7-year return, per year | 6.28% | Choose an option |
| 10-year return, per year | 6.45% | Choose an option |
| APRA strategic growth allocation | 73.25% | Choose an option |
| Reported total fees, net of tax, at $50,000 | $480 a year (0.96%) | Choose an option |
| Administration and advice costs, net of tax (included in total) | $120 a year | Choose an option |
| 2026 performance test | Pass | Choose an option |
| 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 | REI Super | Rhythm Super |
|---|---|---|
| Membership and access | Anyone can join, including people outside real estate, subject to the product rules. Industry membership is not a requirement. Sources1234 | The service is offered through advisers. Confirm the current product requirements with the adviser and super PDS. Sources12 |
| Accounts and products | Superannuation, transition-to-retirement and pension accounts. Sources1234 | Rhythm Super and Pension. Sources12 |
| Investment choices | Diversified and sector-specific investment options. Members can select their own investment mix. Sources1234 | The menu includes managed funds, shares, ETFs, term deposits and separately managed accounts. Approved advisers can use the IOOF Managed Portfolio Service. Sources12 |
| Insurance | Death, TPD and income protection are available, depending on age and employment status. The fund specifically describes insurance for commission-based salaries. Sources1234 | 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 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 | A pension product is available alongside super. Sources12 |
| Advice and support | Members can access financial advice, including help with investment choice and retirement. Check the scope and cost of the service requested. Sources1234 | Advisers use the platform's transaction, portfolio and reporting tools to manage the member's account. Sources12 |
| Fee details to check | 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 | 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 | Super and pension performance are published separately. Compare current returns across a shared date range and similar exposure to growth assets. Sources1234 | 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 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.
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 REI 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.