Quick Verdict
UniSuper is cheaper at $50k ($280/yr vs $348/yr). UniSuper leads on 10-year returns (8.50% vs 7.80%).
Fund Overview
REST
| Type | Industry |
| Established | 1988 |
| Trustee | Retail Employees Superannuation Pty Limited |
| HQ State | NSW |
| Members | 2.0M |
| Assets (AUM) | $85B |
UniSuper
| Type | Industry |
| Established | 2000 |
| Trustee | UniSuper Limited |
| HQ State | VIC |
| Members | 650K |
| Assets (AUM) | $130B |
Fee Comparison
| Fee Component | REST | UniSuper |
|---|
| Admin Fee (flat) | $78 | $60 |
| Admin Fee (%) | 0.00% | 0.04% |
| Investment Fee | 0.48% | 0.36% |
| Indirect Cost Ratio | 0.06% | 0.04% |
| Buy/Sell Spread | 0.07% | 0.09% |
Total Annual Fee by Balance
| Balance | REST | UniSuper |
|---|
| $10,000 | $132 | $104 |
| $25,000 | $213 | $170 |
| $50,000 | $348 | $280 |
| $100,000 | $618 | $500 |
| $250,000 | $1,428 | $1,160 |
| $500,000 | $2,778 | $2,260 |
Performance Comparison
| Period | REST | UniSuper |
|---|
| 1-Year | 10.80% | 12.00% |
| 3-Year | 7.50% | 8.30% |
| 5-Year | 7.80% | 8.50% |
| 7-Year | 8.00% | 8.60% |
| 10-Year | 7.80% | 8.50% |
| FY2024 | 8.50% | 9.20% |
| FY2023 | 9.20% | 10.80% |
| FY2022 | -2.50% | -3.00% |
| FY2021 | 17.80% | 21.20% |
| FY2020 | -0.50% | -0.80% |
| FY2019 | 7.50% | 8.80% |
| FY2018 | 9.50% | 10.80% |
| FY2017 | 11.80% | 12.90% |
| FY2016 | 3.50% | 4.50% |
| FY2015 | 9.80% | 10.80% |
Insurance Comparison
REST
| Insurer | AIA Australia |
| Death Cover | Yes — unitised, opt-out |
| TPD Cover | Yes — unitised, opt-out |
| IP Cover | Yes — opt-in |
UniSuper
| Insurer | AIA Australia |
| Death Cover | Yes — unitised, opt-out |
| TPD Cover | Yes — unitised, opt-out |
| IP Cover | Yes — opt-in, 75% of salary |
Annual Premium Comparison by Age
| Age | REST | UniSuper |
|---|
| 25 | $110 | $120 |
| 30 | $190 | $205 |
| 35 | $320 | $350 |
| 40 | $490 | $540 |
| 45 | $770 | $850 |
| 50 | $1,180 | $1,320 |
| 55 | $1,750 | $1,950 |
| 60 | $2,500 | $2,800 |
APRA Heatmap Ratings
REST
| Fee Rating | Below median |
| Return Rating | Around median |
| Sustainability | Performing |
UniSuper
| Fee Rating | Below median |
| Return Rating | Above median |
| Sustainability | Performing |
Investment Options
REST
| Total Options | 10 |
| Ethical/ESG Option | No |
| Indexed Option | No |
| Direct Investing | No |
UniSuper
| Total Options | 16 |
| Ethical/ESG Option | Yes |
| Indexed Option | No |
| Direct Investing | No |
Member Services
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 |
UniSuper
| App Ratings | iOS 4.7 / Android 4.5 |
| Advice | Included personal advice; comprehensive fee-for-service; campus consultants |
| AFCA Complaints | 3.2 per 10k members |
| Call Centre | 8am-8pm AEST Mon-Fri |
Verdict
On fees, UniSuper is the more affordable option. At a $50,000 balance, UniSuper costs $280 per year compared to $348 for REST — a difference of $68 annually. Over a 30-year career, that difference compounds meaningfully.
Looking at long-term performance, UniSuper holds the edge with a 10-year return of 8.50% versus 7.80% for REST — a gap of 0.70% per annum. While not enormous, that gap adds up over the compounding horizon of a superannuation balance.
On insurance, REST uses AIA Australia while UniSuper is backed by AIA Australia. For a 40-year-old, REST's default death and TPD premiums cost around $490/year versus $540/year at UniSuper, making REST the cheaper option for mid-career cover. On member satisfaction, UniSuper has fewer AFCA complaints at 3.2 per 10,000 members compared to 3.4 for the other.
REST is best suited for retail workers, young australians, while UniSuper targets it professionals, education workers. The two funds also serve different industries: REST focuses on retail, fast food, while UniSuper targets education, research. 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.