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SuperRatings Methodology

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.

Insurance

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.

Fees

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.

Our Ratings

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.

SuperRatings Road Signs

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.

About SuperRatings

SuperRatings Pty Ltd ABN: 95 100 192 283 AFSL 311880 (SuperRatings) 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.

Disclosure of Superannuation Consulting services

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).

Copyright Disclaimer

© 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

Important Information

RateMySuper is provided by SuperRatings Pty Ltd ABN: 95 100 192 283 AFSL: 311880 (SuperRatings) 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 RateMySuper are owned or controlled by SuperRatings. © SuperRatings Pty Ltd. All rights reserved.

You acknowledge that information provided by RateMySuper has been prepared without the taking into account individual financial objectives, situations or needs. It is not guaranteed to be accurate or complete. 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.

SuperRatings full privacy policy is set out below.

SuperRatings Pty Ltd Privacy Policy

This Privacy Policy sets out how SuperRatings Pty Limited ABN 95 100 192 283 AFSL: 311880 (SuperRatings) 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/

SuperRatings holds personal information for the purposes of processing online purchases from our website and sending information about our products and services to persons on our mailing list. From time to time, we disclose information to unrelated third parties to assist in processing your order. If you do not provide all the information requested, we might not be able to meet all your requirements under the order.

If you purchase a product from our website, you will be required to provide us with information necessary to process your order such as your name, email address, a credit card number and credit card expiration date. Within 7 days after processing your order, your credit card payment details will be destroyed.

We also use data collection devices such as cookies. Cookies are pieces of information that are transferred to your computer hard drive for tracking website browsing. This tracking enables us to tailor our website to match your personal preferences based on your previous website browsing history. You may set your internet browser to decline our cookies. However, your enjoyment of our site may be affected if you do not accept our cookies.

If you choose to join our mailing list, you will be required to give your consent to receive our marketing communications and to provide us with information to enable us to send our marketing communications directly to you. At anytime you may request not to receive any further marketing communications by contacting our Privacy Officer.

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
By mail: SuperRatings Pty Limited
Level 21, 200 George Street
Sydney NSW 2000

I have read and agree to the above terms.

Welcome to RateMySuper



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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