Quick Verdict
REST is cheaper at $50k ($348/yr vs $459/yr). REST leads on 10-year returns (7.80% vs 7.50%).
Fund Overview
Mine Super
| Type | Industry |
| Established | 1992 |
| Trustee | AUSCOAL Superannuation Pty Ltd |
| HQ State | NSW |
| Members | 60K |
| Assets (AUM) | $13B |
REST
| Type | Industry |
| Established | 1988 |
| Trustee | Retail Employees Superannuation Pty Limited |
| HQ State | NSW |
| Members | 2.0M |
| Assets (AUM) | $85B |
Fee Comparison
| Fee Component | Mine Super | REST |
|---|
| Admin Fee (flat) | $104 | $78 |
| Admin Fee (%) | 0.15% | 0.00% |
| Investment Fee | 0.50% | 0.48% |
| Indirect Cost Ratio | 0.06% | 0.06% |
| Buy/Sell Spread | 0.10% | 0.07% |
Total Annual Fee by Balance
| Balance | Mine Super | REST |
|---|
| $10,000 | $175 | $132 |
| $25,000 | $282 | $213 |
| $50,000 | $459 | $348 |
| $100,000 | $814 | $618 |
| $250,000 | $1,879 | $1,428 |
| $500,000 | $3,654 | $2,778 |
Performance Comparison
| Period | Mine Super | REST |
|---|
| 1-Year | 10.50% | 10.80% |
| 3-Year | 7.50% | 7.50% |
| 5-Year | 7.80% | 7.80% |
| 7-Year | 7.80% | 8.00% |
| 10-Year | 7.50% | 7.80% |
| FY2024 | 8.50% | 8.50% |
| FY2023 | 9.50% | 9.20% |
| FY2022 | -2.50% | -2.50% |
| FY2021 | 18.50% | 17.80% |
| FY2020 | -0.20% | -0.50% |
| FY2019 | 7.80% | 7.50% |
| FY2018 | 9.50% | 9.50% |
| FY2017 | 11.50% | 11.80% |
| FY2016 | 3.80% | 3.50% |
| FY2015 | 9.50% | 9.80% |
Insurance Comparison
Mine Super
| Insurer | MetLife Insurance |
| Death Cover | Yes — opt-out |
| TPD Cover | Yes — opt-out, any/own occupation |
| IP Cover | Yes — opt-in |
REST
| Insurer | AIA Australia |
| Death Cover | Yes — unitised, opt-out |
| TPD Cover | Yes — unitised, opt-out |
| IP Cover | Yes — opt-in |
Annual Premium Comparison by Age
| Age | Mine Super | REST |
|---|
| 25 | N/A | $110 |
| 30 | N/A | $190 |
| 35 | N/A | $320 |
| 40 | N/A | $490 |
| 45 | N/A | $770 |
| 50 | N/A | $1,180 |
| 55 | N/A | $1,750 |
| 60 | N/A | $2,500 |
APRA Heatmap Ratings
Mine Super
| Fee Rating | Above median |
| Return Rating | Around median |
| Sustainability | Performing |
REST
| Fee Rating | Below median |
| Return Rating | Around median |
| Sustainability | Performing |
Investment Options
Mine Super
| Total Options | 9 |
| Ethical/ESG Option | No |
| Indexed Option | No |
| Direct Investing | No |
REST
| Total Options | 10 |
| Ethical/ESG Option | No |
| Indexed Option | No |
| Direct Investing | No |
Member Services
Mine Super
| App Ratings | iOS 4.2 / Android 4.0 |
| Advice | Not specified |
| AFCA Complaints | 4.2 per 10k members |
| Call Centre | Not specified |
REST
| App Ratings | iOS 4.5 / Android 4.2 |
| Advice | Limited personal advice included |
| AFCA Complaints | 3.4 per 10k members |
| Call Centre | 8am-10pm AEST Mon-Fri, 9am-6pm Sat |
Verdict
On fees, REST is the more affordable option. At a $50,000 balance, REST costs $348 per year compared to $459 for Mine Super — a difference of $111 annually. That is a substantial gap that will compound significantly over decades.
Looking at long-term performance, REST holds the edge with a 10-year return of 7.80% versus 7.50% for Mine Super — a gap of 0.30% per annum. While not enormous, that gap adds up over the compounding horizon of a superannuation balance.
On insurance, Mine Super uses MetLife Insurance while REST is backed by AIA Australia. REST charges around $490/year for a 40-year-old's default cover. On member satisfaction, REST has fewer AFCA complaints at 3.4 per 10,000 members compared to 4.2 for the other.
Mine Super is best suited for miners energy workers, fifo workers, while REST targets retail workers, young australians. The two funds also serve different industries: Mine Super focuses on mining, energy, while REST targets retail, fast food. If your employer defaults to one of these funds, that alone may tip the decision.
Important information
The information on SuperFind is general in nature and does not take into account your personal financial situation, needs, or objectives. It is not personal financial advice. Before making any financial decisions about your superannuation, consider whether the information is appropriate for your circumstances and consider seeking advice from a licensed financial adviser. Super fund data including fees and performance returns shown on this site were current as of April 2026 — always verify figures on the fund's website. Past performance is not a reliable indicator of future performance. Data sourced from APRA, ATO, and individual fund disclosures. SuperFind is a
DecisionLab publication.