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Selecting investment options

Having a choice is a good thing

At Rest, you can choose how your super is invested. Or if you don’t want to choose, your super will automatically be invested in the default investment option.

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Choose one investment option or mix it up with a couple. Plus, you’re not locked in – you can change your option at any time.

What to think about

We all want our super to grow, but all investment options come with a risk and return trade-off. Some offer higher potential returns but have a higher chance of short-term negative returns. Some provide steadier potential returns but have lower returns over the longer term.

Typically, the younger you are, the more you can afford to ride out market ups and downs. If you’re nearing retirement, you may prefer less risk, while accepting lower potential returns. Consider your time to and in retirement and how comfortable you are with potential short-term losses.

Investment options at a glance

See how the options rank on the risk and return scale. Or find the full details on our Investment Options page. Compare the performance of multiple options using our comparison tool.

Timeline showing where investment options sit in between higher potential growth with higher risk and lower growth with less risk Timeline showing where investment options sit in between higher potential growth with higher risk and lower growth with less risk

This chart is a high-level representation based on Rest’s internal modelling of the potential longer term investment risk and return of the investment options currently available through Rest’s products. This modelling relies on certain assumptions including the modelling of the relevant asset classes in Rest’s investment options (as at 30 June 2024) and is indicative only.  If you’re not sure which investment option is right for you (or whether a Rest product is right for you), we recommend you seek financial advice. If you’re a Rest member see how we can help. For further information about Rest’s products and investment options please refer to the relevant PDS and TMD (including Investment Guide and investment section of the Pension PDS). Past performance is not an indicator of future performance.

 

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Did you know?

As your life stage or situation changes, so might your priorities. That’s why we’ve made it super simple for you to switch your options at any time in the Rest App or online in MemberAccess.

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Need help deciding?

Try our online Investment Choice Solution* to see which investment options might suit you. You can also speak with a Rest Adviser* or  download our investment guide or the Rest Pension Product Disclosure Statement (PDS).

Find out more about our tool
Book a call with a Rest advisor

*Rest Advice is provided by Link Advice Pty Ltd ABN 36 105 811 836, AFSL 258145 (Link Advice). Rest Advisers are staff members of Rest and provide advice as authorised representatives of Link Advice. Rest Digital Advice, including the Investment Choice Solution, is provided by Link Advice.  

 

Don’t feel like choosing an investment option? No problem. If you don’t want to choose, your super will be invested in the default investment option (see below).

You can either stay in the default option or you can switch to another investment option later down the track.

What’s a default investment option?

A default investment option is where your super will be automatically invested if you don’t choose an option.

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Rest Super and Rest Corporate accounts

Your default investment option is Growth

Find out more about Growth Compare Growth with other investment options
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Rest Pension accounts

Your default investment option is Balanced

Find out more about Balanced Compare Balanced with other investment options

 


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Did you know?

It’s okay to change your mind. We’ve made it simple for you to switch your options at any time in the Rest App or online in MemberAccess.

Learn about investments and super

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Why your investment timeframe matters

Learn why you should consider your investment timeframe when thinking about super. 

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Checklist

Investment Choice Solution

Get a recommendation about how your super should be invested in minutes.

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Learn about investing with Rest

Download our Investment Guide (Rest Super and Rest Corporate accounts) or Rest Pension PDS (Rest Pension accounts) for more information.

Download our investment guide Download our PDS