Rest Super

Rest Super, an Australian superannuation fund focused on members

Rest Super is an Australian superannuation fund that presents itself as a not-for-profit fund returning profits to members. The entity states it has around two million members and describes itself as an award-winning fund with competitive fees and long-term results. Its activity centres on managing retirement accounts, investing savings and providing financial advice to its members.

Retirement products and accounts

The fund structures its offering into several accounts. Rest Super is the main accumulation account; Rest Corporate is aimed at employers and their workforces; and Rest Pension is the account for those already in the retirement phase. The site also mentions the Transition to Retirement option, aimed at those approaching retirement, and an account-based pension.

Tools and services linked to these accounts include the minimum drawdown rate calculation, the ability to nominate beneficiaries and the procedures for accessing the accumulated balance.

Investment and performance

Rest offers several investment options and publishes information about its MySuper product, the performance dashboard for its options, unit prices and factsheets. The entity states that, since its founding in 1988, its Growth investment option has recorded an average compound return of 8.37% per year to 30 June 2026. The fund itself warns that past performance is not an indicator of future results.

The manager Super Investment Management Pty Limited, a wholly owned company of Rest, is responsible for managing part of the fund's investments. The site also includes information on responsible investment and climate change.

Insurance and protection

Through the fund, members can take out insurance cover and manage it online. The offering includes super death benefit, Total and Permanent Disability (TPD), Income Protection, Terminal Illness and early access to your super. The site provides calculators for the cost of cover, explanatory guides and key fact sheets for each insurance.

Advice and tools for members

Rest offers a financial advice service called Rest Advice, provided by MUFG Retire360 Pty Limited. Members can access simple advice about their Rest account at no additional cost, while complex advice carries an additional fee that is communicated before it is provided. The service combines authorised advisers with digital tools such as Contributions Optimiser, Retirement Health Check and Investment Choice Solution.

The fund makes available to members a retirement calculator, a retirement lifestyle calculator, a superannuation calculator, on-demand webinars, guides and forms, as well as the Rest App to manage the account. It also includes a learning centre with super tips and resources for those new to this area.

Services for employers

Rest offers businesses the possibility of joining the fund as a default option for their employees. For this it has Rest Pay, a tool for paying wages and compulsory contributions (Superannuation Guarantee), with user guides and specific forms. The site also mentions the obligations arising from Payday Super and the option of joining as a franchise business.

News and community commitment

The fund publishes news and media releases reporting on initiatives such as Fund-amentals, a digital super learning programme developed with the youth platform Anyway; new advice pathways within the app; and data on the use of parental leave among its staff. Rest acknowledges the Traditional Owners of Australia's lands and their continuing connection to them.

Structure and regulation

The website is operated by Retail Employees Superannuation Pty Limited, with ABN 39 001 987 739 and AFSL 24 0003, as trustee of the Retail Employees Superannuation Trust (ABN 62 653 671 394), of which Rest Super, Rest Corporate and Rest Pension form part. The information published may include general advice and does not take into account the user's objectives, financial situation or individual needs.