Industry fund
Rest
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.
THE OVERVIEW
About Rest
Rest provides super and pension products and says its profits go back to members rather than shareholders. Rest Super and employer-specific Rest Corporate should be identified separately when checking insurance and costs.
Sources5
Who can join
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.
THE SUPERGURU VIEW
Our take
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.
Who might put it on their shortlist
- People comparing indexed investment options within a large fund.
- Members who want help with relatively straightforward questions about their super.
- Existing Rest members checking whether the current investment option still suits their intended risk level.
What deserves a closer look
- Rest's reserve-funded administration costs should be disclosed even though they do not appear as a direct deduction from the account.
- Forecast FY2027 investment and transaction cost increases make the cost period important.
- ASIC issued two infringement notices totalling $37,560 for alleged misleading representations after insurance was inadvertently activated for more than 2,000 members. Rest paid them in September 2025. Payment of an infringement notice is not a court finding of liability.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE NUMBERS
Fees and investment returns
Use the product, investment option and employer plan on your statement. Lifecycle members need to choose the relevant stage. APRA's investment pathways may include closed options held by existing members.
| Measure | MySuper |
|---|---|
| Return basis | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | 9.17% |
| 5-year return, per year | 6.66% |
| 7-year return, per year | 6.91% |
| 10-year return, per year | 7.35% |
| APRA strategic growth allocation | 76.24% |
| Reported total fees, net of tax, at $50,000 | $405 a year (0.81%) |
| Administration and advice costs, net of tax (included in total) | $130 a year |
| 2026 performance test | Pass |
| New-member status at reporting date | 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.
A CLOSER LOOK
Inside Rest
Accounts and products
Rest Super, Rest Corporate and Rest Pension have separate disclosure documents.
Rest Super
Rest Corporate
Rest Pension
Investment choices
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.
Insurance
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.
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Retirement income
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.
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Advice and support
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.
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Fee details to check
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.
Comparing investment performance
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.
THE LEGAL FUND
Fund size in APRA's annual reporting
Retail Employees Superannuation Trust
At 30 June 2025. These are legal-fund totals, which can include several products and more than one account per person.
APRA annual fund-level statistics, June 2025. These older totals can differ substantially after mergers. Size is not a measure of suitability or investment quality.
Sources for Rest
Checked 2026-09-11. Documents and product terms can change after this date.