Comparisons are conducted by SuperRatings
This service is designed for general personal use only. Users agree they are not using the Comparator for the purpose of conducting a business or reselling the information. Consider a fund's PDS and your objectives, financial situation and needs, which are not accounted for in this information before making an investment decision.
SuperRatings’ rating methodology seeks to cover over 300 individual parts of a superannuation fund’s offering. The data assessed covers information both in the public domain as well as aspects which are sourced directly from funds (questionnaires).
For more information on the SuperRatings methodology refer to the full text of the SuperRatings methodology at http://www.superratings.com.au/ratings
Our ratings system covers seven main assessment components. These are reviewed both quantitatively and qualitatively and are individually weighted.
Each rated fund is provided with regular ‘Request for Information’ documents from SuperRatings to maintain our data. Where a fund does not respond, or the data provided cannot be substantiated, then the response used will, where appropriate, be assumed to be at the 75th percentile of our universe.
For any queries about the content, please see http://www.superratings.com.au. Any queries about the application of the information contained in this report to your particular circumstances should be directed to your financial advisor and/or fund.
SuperRatings performs an in-depth and comprehensive analysis of insurance premiums across a range of insurance options offered by the various funds. In this report, only sample aged based premiums for one option are displayed. For example, many funds offer insurance with 30, 60- or 90-day waiting periods but for comparative purposes only the 60-day waiting period is usually displayed in this report. For more details on particular insurance options reference should be made to the relevant fund’s product disclosure statement.
The way that funds are required to disclose their fees is in transition, to ensure our comparisons remain relevant during this period the fees displayed in the RateMySuper tool exclude transaction costs such as brokerage, settlement costs or stamp duty. For information on funds’ fees including any transaction costs, please refer to the relevant Product Disclosure Statements or Fees and Costs/Investment Guides.
Platinum: Top "25% of funds"
The best value for money funds. Well balanced across all key assessment criteria in a robust, secure and proven risk framework. This fund provides features that should assist most individuals to meet their retirement savings goals.
Gold: Next "25% of funds"
A good value for money superannuation fund strong in nearly all assessment areas.
Silver: Next "25% of funds"
A reasonable value for money fund performing well in most assessment areas.
Other: "Final 25% of funds"
Other rated funds usually have average or below average features and/or performance across a number of our ratings criteria.
Excellent: Score of 75%-100%
Well Above Benchmark
Good: Score of 51%-74%
Above Benchmark
Average: Score of 26%-50%
Benchmark
Below average: Score of below 25%
Below Benchmark
Alert
In the areas of governance, member servicing, administration, and investment process the analysis is a qualitative one and the available information has been insufficient to provide a rating. Hence the ALERT symbol.
Concern
Based on an analysis of available information there appear to be real problems in this area.
© SuperRatings Pty Ltd. All rights reserved.
This tool is provided by SuperRatings Pty Ltd ABN: 95 100 192 283 a Corporate Authorised Representative (CAR) No. 1309956 of Lonsec Research Pty Ltd ABN 11 151 658 561, AFSL No. 421445 (Lonsec Research) and designed for personal use only. Users agree they are not using the comparator for the purpose of conducting a business or reselling the information
You acknowledge that all copyright and other intellectual property rights in the tool are owned or controlled by SuperRatings. © SuperRatings Pty Ltd. All rights reserved.
Information provided by this tool has been prepared without the taking into account individual financial objectives, situations or needs. It is not guaranteed to be accurate or complete. Past performance is not a reliable indicator of future performance. Any expressed or implied rating or advice presented in this document is limited to General Advice and based solely on consideration of the merits of the superannuation financial product(s), without considering any person’s particular financial circumstances. Recipients should, before acting on the information, consider its appropriateness, having regard to their own financial objectives, situation and needs. Before making a decision regarding any of the financial products mentioned, they should obtain and consider a copy of the relevant Product Disclosure Statement from the product issuer and consider obtaining personal financial advice from a financial adviser.
Your personal information will be used in order to send you this RateMySuper product and will also be entered on the SuperRatings client database which is used to distribute information to clients. You can ask to be removed from our client database at any time by email or contacting us on 1300 826 395.
This Privacy Policy sets out how SuperRatings Pty Limited ABN 95 100 192 283 a Corporate Authorised Representative (CAR) No. 1309956 of Lonsec Research Pty Ltd ABN 11 151 658 561, AFSL No. 421445 (Lonsec Research) manages your personal information. SuperRatings is bound by the National Privacy Principles under the Privacy Act 1988 (Cth). Any personal information we collect is held in accordance with this Privacy Policy, which is available at https://www.lonsec.com.au/important-documents/
If you want to gain access to and correct the personal information we hold about you, or if you do not want to receive any further product information from us, please contact us on:
By email: info@superratings.com.au
By phone: 1300 826 395
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Sydney NSW 2000
To help you use this tool we will guide you through some simple tips to ensure
you use the tool to its greatest potential.
Overview
Gain a quick snapshot into the product, understand product trends, how they set
themselves apart from the rest.
Investment
Gives you access to not only Net Benefit graphs but investment options
available, Investment performance, asset allocation and comparative
charting across core options.
Fees
Will allow you to compare products across a range of fee criteria,
including a fee comparison chart.
Insurance
Covering Death , Death/TPD and Income Protection, the insurance section will
provide you with comparative premium graphs and insurance terms and
conditions.
Member Servicing
Will allow you to compare Member communications, Fund extras and Financial
advice.
Administration
Member call centre information, contribution collection internet based services
and adviser servicing are available within this section.
Governance
Fund governance provides information on Fund Service Providers, Trustee Structure
and Public Disclosure.
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