sunsuper vs rest

These results are general advice only and not personal financial advice. !! And there are ways to minimise the fees and commissions you pay. Admin fees = ~$80 pa + 0.10%. “Super funds need to invest in their people and their systems to ensure they can continue to deliver for members over the long-term. Some retail funds are now challenging this paradigm by introducing new low-cost products. Over 45 years, the difference of 0.50% p/a in fees is a difference of $105,522 on a balance of $40,000; assuming 0 further contributions. You should consider whether any information on SuperGuide is appropriate to you before acting on it. REST Super . Industry funds and retail funds differ in their history and structure. Ratings are only one factor to take into account when deciding whether to make an investment. For the latest year we’ll also list all the winners from other categories. Learn how you can start planning for your retirement. Go to superratings.com.au for details of its ratings criteria. SUNSUPER. Open to all industries, this public offer fund has strong investment returns, low fees and flexible insurance. Add articles to your saved list and come back to them any time. Some superannuation advice from a licensed advisor is a great idea! Use the SuperRatings comparison tool …

SunSuper does charge a $40 withdrawal fee, but the low annual fees do make up for it. View all. For any amount, yes, because you have 45 years of accumulation to go and $25 is peanuts. Canstar provides an information service. 40%.

It is only current at the date awarded by Chant West. This is where the term “public offer” originated –industry funds are now open to the general public and no longer restricted to their industry. Retail super funds include, for example: Retail superannuation funds have also historically tended to offer a number of insurance options beyond or instead of the “default” product. Essentially, you are buying a share of the whole market. SuperRatings does not issue, sell, guarantee, or underwrite this product. It is not a credit provider, and in giving you information about credit products Canstar is not making any suggestion or recommendation to you about a particular credit product. You can see the products most relevant to you by using the tabs to view results for a superannuation balance of $0-$55k, $55k-$100k or $100k-$250k. For more detail in relation to the SunSuper for Life product please refer to the PDS issued by SunSuper for this product. Ratings are subject to change. Consider the Product Disclosure Statement before making a purchase decision. Ratings are only one factor to take into account when deciding whether to make an investment. While you will not be offered any single investment option, this is to take into account the different combinations of investment options SunSuper may apply to your account based on your age. I have insurance in super – do I need more? Learn more.

Performance and Investment Allocation Differences. I looked at my Company’s contribution to my super account + my Salary Sacrifice contribution, took that amount away from last years Super Balance and it appears my Care Super fund made me $10K for the year. A balanced super fund intended to help you manage your super from your first day of work to retirement. AHL Investments Pty Ltd ACN 105 265 861 Australian Credit Licence 246786 ("Aussie") and its appointed credit representatives. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions. REST is the top of the heap long term. I researched every single publicly available superannuation fund, narrowed it to a shortlist, and calculated the net fees of a growth-oriented index allocation. 60%. Apart from REST and AustralianSuper, some other ones that I saw pop up when I was doing my research were CareSuper and SunSuper. The investment managers pay themselves extremely high fees, further reducing your income. It is not personal advice. Go to chantwest.com.au for further information about the methodology used and Chant West's Financial Services Guide. Are you seriously going to make a decision based on the say so of someone here? Excuse me? index funds) over a long period of time. Many funds now offer advice for little or no charge and conveniently over the phone, so before making an investment switch consider getting advice. Use Canstar’s, It’s the investments that you choose to put your money into within your superannuation fund – whether you choose to, invest in cash, property, shares, bonds or a mixture of everything. from leading lenders. If you're stuck 40% aus equity, 40% intl equity (unhedged), 20% aus fixed interest will work for you. QSuper’s Accumulation account, Balanced option only, ranked eight over ten years to 30 June 2020. If you’re considering industry superannuation funds, the table below displays a snapshot of industry superannuation funds on Canstar for Australians aged 30-39, sorted by Star Rating, then by provider name (alphabetically). Your email address will not be published. Please fill in the fields highlighted above. Terms of service, GoodThanks15 writes... 0.85% for the last 12 months 1.74% for the last 5 years. QSuper sets different balance ranges, resulting in a different investment mix in some cases to that resulting from Canstar’s methodology – see details. See below for more differences between industry and retail super funds.

Why? You can see the products most relevant to you by using the tabs to view results for a superannuation balance of $0-$55k, $55k-$100k or $100k-$250k. So when it comes to investment options, retail funds tend historically offered a much greater range of investments. The average super fund annual fee is modelled on a small ($500K) employer size and is sourced from SuperRatings Fundamentals Reports, 30 June 2020. Just did a bit of work comparing sunsuper vs rest on their Single Asset indexed options, I thought other might benefit. Awards and ratings are only one factor when deciding how to invest your super. Retail super funds were developed by financial institutions and insurance companies to cater for people who were interested in investing and saving for their retirement.

Online access. Rates are subject to change. Aussie is a trade mark of AHL

In theory this may sound like a good idea, but in reality: Index Investing is advocated by many prominent investment experts, including Warren Buffet, Benjamin Graham, and Jack Bogle. 11. A reasonable allocation of 40% aus eqty index, 40% intl eqty index, and 20% aus fixed interest has the following fees: 0.40 * 0.13 ("Australian Shares — Index"), + 0.40 * 0.20 ("International Shares — Index (unhedged)"). Actively managed funds pay expensive "investment managers" to pick investments. For the QSuper investment options: Lifetime option Focus 1, Aggressive, Growth, and Moderate. This has changed significantly in recent years though, with many industry funds also offering a very wide range of available investments. For SunSuper, just select a custom allocation with a mix of Australian and international index funds. Should I change over to Sunsuper or just stick with Rest? Do I stick with Rest (currently Core Strategy) or move to Sunsuper (employee superannuation plan)? Around 10 minutes to apply online and you'll be on your way to enjoying the QSuper feeling. Chant West does not issue, sell, guarantee, or underwrite this product. Inspiration and education.

Even though the server responded OK, it is possible the submission was not processed. As well as winning the gong for fund of the year, UniSuper beat a field of nine finalists to also win the Mysuper investment option of the year. Stick with them. 2. Christine Thelander The Balanced investment option for our Accumulation account has produced strong returns with fewer ups and downs over the past 10 years.1. 437917. AMP . Learn more about the best performing super funds in the following SuperGuide articles: IMPORTANT: All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs.

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