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Important Information

This service is designed for general personal use only. Users agree they are not using the Comparator for the purpose of conducting a business or reselling the information. Consider a fund's PDS and your objectives, financial situation and needs, which are not accounted for in this information before making an investment decision.

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, authorised by Lonsec Connect Pty Ltd (ABN: 53 618 424 490) T/A SuperRatings Connect, a Corporate Authorised Representative (CAR No. 001275324) of My Super Future Pty Ltd ABN 38 122 977 888 AFSL 411440), 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.

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.

Disclaimer


About SuperRatings

SuperRatings Pty Ltd ABN: 95 100 192 283 AFSL 311880 (SuperRatings) is responsible for all content excluding insurance, information, ratings or advice which is authorised by Lonsec Connect Pty Ltd (ABN: 53 618 424 490) T/A SuperRatings Connect, a Corporate Authorised Representative (CAR No. 001275324) of My Super Future Pty Ltd ABN 38 122 977 888 AFSL 411440). 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

Copyright © 2019 SuperRatings Pty Ltd (ABN: 95 100 192 283 AFSL 311880 (SuperRatings). This publication is subject to copyright of SuperRatings. Except for the temporary copy held in a computer's cache and a single permanent copy for your personal reference or other than as permitted under the Copyright Act 1968 (Cth.), no part of this publication may, in any form or by any means (electronic, mechanical, micro-copying, photocopying, recording or otherwise), be reproduced, stored or transmitted without the prior written permission of SuperRatings.

This web-site may also contain third party supplied material that is subject to copyright. Any such material is the intellectual property of that third party or its content providers. The same restrictions applying above to SuperRatings copyrighted material, applies to such third party content.

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Important Information

This tool is provided by SuperRatings Pty Ltd ABN: 95 100 192 283 AFSL: 311880 (SuperRatings) and designed for personal use only. SuperRatings is responsible for the information contained in the report excluding insurance information, ratings and advice which is authorised by Lonsec Connect Pty Ltd (ABN: 53 618 424 490) T/A SuperRatings Connect, a Corporate Authorised Representative (CAR No. 001275324) of My Super Future Pty Ltd ABN 38 122 977 888 AFSL 411440. 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

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 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://cdn.superratings.com.au/wp-content/uploads/2019/07/02224213/SuperRatings-Privacy-Policy1.pdf

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By email: info@superratings.com.au
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By mail: SuperRatings Pty Limited
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Sydney NSW 2000

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