REST review
Industry fund for the retail sector and younger members.
Who it's best for
Retail sector workers and younger Australians in their first super fund.
The good
- Huge member base, much of it young — strong fit for first-job workers
- Reasonable fees for a mid-sized fund
- Rest Super App is well-regarded for low-friction engagement
The less-good
- 10-year return lags the leading industry funds by ~0.5–1% p.a.
- Default TPD cover is narrower than some peers
The numbers in detail
| MySuper product | Core Strategy |
|---|---|
| Asset mix | Growth 75 / Defensive 25 |
| Fixed admin fee | $78/yr |
| % fee (investment + indirect) | 0.64% |
| Insurance default | Default death and TPD (opt-out); income protection optional |
| Choice options available | 9 |
| APRA performance assessment | Performing |
How REST compares
Run REST through our fund comparison tool alongside AustralianSuper, Hostplus, and UniSuper at your actual balance — the dollar fees at $50k can look very different at $250k or $15k, and the ranking sometimes flips. You can also project your own retirement outcome with its fee and return using the retirement projection calculator.
Switching to (or from) REST
Switching supers involves four steps that matter: check the insurance you'd lose when closing, update your employer's Standard Choice form so SG flows to the right place, consolidate via myGov, and confirm the rollover lands. Our consolidation guide has the full walkthrough.
The official source
Always verify current fees, insurance terms and investment options on the fund's own PDS before making a decision. rest.com.au has the latest. The figures on this page are indicative and updated periodically from the APRA heatmap and the fund's PDS.
General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser. Figures on this page are indicative — verify on the fund's PDS.