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How to switch an investment option

Rest realises your investment needs may change over time, so you have the option to change your investment choice at any time (switching).

You may invest in a single option, or in a mix of the Core StrategyStructured and Member-tailored options. If you’ve decided to change your investment option, you will also need to decide if you want to switch:

  • your current account balance only
  • the way future transactions are applied, or
  • both.
You can switch your investments:
  1. Online by logging in to MemberAccess, or
  2. Complete and return an ‘Application to make an investment choice’ form

What else do you need to know?

How your switch is processed
  • Your switch will become effective two business days after Rest receives your request. (A business day is a work day other than a national public holiday or weekend).
  • Your switch will be confirmed in writing once processed. If you switch online, you will receive a printable confirmation.
  • There is a separate buy and sell unit price for each option. When money is invested in an option it will generally use the buy price. When money is withdrawn from an option it will generally use the sell price.
  • When you switch out of an investment option, the unit price used is the price at the time your transaction is processed.
Your current balance includes any transfers and contributions received prior to the date the switch becomes effective. Any transfers and contributions received after that date will be considered a future transaction, so you should check your account balance before you switch, as it may change by the time the switch becomes effective.

Switching to the Property option
  • If you choose to invest in the Property option, there are certain conditions that you need to know about.  Please refer to the Investment Guide for further information. For Rest Pension members, please refer to the Rest Pension PDS.
Switching and your insurance
  • If you receive any Death, Total and Permanent Disablement or Terminal Illness insurance benefits these will always be invested in the Cash investment option.
  • However the super component of any Income Protection benefit you receive will be invested in option you nominate for future transactions.
MySuper and Choice
If you are a member of Rest Super or Rest Corporate, switching investments will determine whether you are in the MySuper product, or the Choice product.
  • If you choose to invest all your super in the Core Strategy or don’t make an investment choice you will be in the MySuper product.  The MySuper product has a single diversified investment option (Rest’s Core Strategy) and simple features to help keep costs low.
  • If you make an investment choice and choose not to invest all your super in the Core Strategy you will be in the Choice product.


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