Comparisons are conducted by SuperRatings
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.
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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) is a fully owned subsidiary of Lonsec Holdings Pty Ltd.
SuperRatings believes that professional financial advisers need informed opinions on the best superannuation and pension financial products to provide real value for their clients. To meet this need, SuperRatings has in place an experienced research team, which draws on a robust research process to undertake in-depth assessment of superannuation financial products. No fee is paid by superannuation and pension funds to SuperRatings for reviewing and rating superannuation and pension financial products.
SuperRatings receives fees for providing superannuation consulting advice to clients, which includes benchmarking, assistance with tenders, administration assistance and other financial advice.
Warnings: Past performance is not a reliable indicator of future performance. Any expressed or implied rating or advice is limited to General Advice and based solely on consideration of the merits of the financial product(s), without considering any person’s particular financial circumstances.
The reader should read the Product Disclosure Statement and seek personal advice before making a decision on the financial product. SuperRatings’ research process relies upon the participation of the superannuation fund or product issuer(s). Should the superannuation fund or product issuer(s) no longer be an active participant in SuperRatings’ research process, SuperRatings reserves the right to withdraw the rating and document at any time and discontinue future coverage of the superannuation and pension financial product(s).
© SuperRatings Pty Ltd. All rights reserved. This report may also contain third party material that is subject to copyright. To the extent that copyright subsists in a third party it remains with the original owner and permission may be required to reuse the material. Any unauthorised reproduction of this information is prohibited.
Contact us on 1300 826 395
RateMySuper 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.
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