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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 via questionnaires.
For more information on the SuperRatings methodology refer to the full text of the SuperRatings methodology at www.superratings.com.au/ratings-and-awards.
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 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.

Investment Assumptions

The net benefit calculation assumes members will remain invested in the same investment option for the full period covered with a starting balance of $50,000 and contributions in line with a $50,000 annual income.

Fee Assumptions

The calculated fee displayed assumes that the member will be invested solely in the fund's default balanced option. Where a fund does not have a default balanced option the calculated fee displayed will be for the closest possible option as determined by SuperRatings.

Insurance Assumptions

SuperRatings performs an in-depth and comprehensive analysis of insurance premiums across a range of insurance options offered by the various funds. For more details on specific insurance options reference should be made to the relevant fund’s Product Disclosure Statement.

© SuperRatings Pty Ltd. All rights reserved.

About SuperRatings

SuperRatings Pty Ltd ABN: 95 100 192 283 AFSL 311880 (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

© SuperRatings Pty Ltd. All rights reserved. This report may also contain third party material that is subject to copyright. To the extent that copyright subsists in a third party it remains with the original owner and permission may be required to reuse the material. Any unauthorised reproduction of this information is prohibited.

Contact us on 1300 826 395

Important Information About SuperRatings

RateMySuper is provided by SuperRatings Pty Ltd ABN: 95 100 192 283 AFSL: 311880 (SuperRatings)

Important information about SuperRatings is contained in the Financial Services Guide, you should download and read it before entering the site.

By clicking I agree you acknowledge the Terms and Conditions and that information provided by RateMySuper has been prepared without considering individual financial objectives, situations or needs. Before acting on the information, consider its appropriateness having regard to your personal circumstances, obtain and consider a copy of the relevant Product Disclosure Statement from the product issuer and obtain personal advice from a financial adviser. 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), the full ratings methodology is available at superratings.com.au/ratings.

Past performance is not a reliable indicator of future performance. SuperRatings receives fees for providing superannuation consulting advice to clients, which includes benchmarking, assistance with tenders, administration assistance and other financial advice.

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. For information on how we collect, use and retain your information see the Privacy Policy, or call 1300 826 395.

RateMySuper is designed for personal use only. Users agree they are not using the comparator for the purpose of conducting a business or reselling the information.

No representation, warranty or undertaking is given or made in relation to the accuracy or completeness of the information presented, which may be drawn from public information not verified by SuperRatings. SuperRatings assumes no obligation to update this following publication. Except for any liability which cannot be excluded, SuperRatings, their directors, officers, employees and agents disclaim all liability for any error or inaccuracy in, misstatement or omission from, or any loss or damage suffered by the reader or any other person as a consequence of relying upon it.

Copyright © 2020 SuperRatings. All rights reserved. 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.

I have read and agree to the above terms.

Welcome to RateMySuper

To help you use this tool we will guide you through some simple tips to ensure you use the tool to its greatest potential.

Overview: See some high-level details about the fund and its Rating.
Investment: Compare performance, investment options and asset allocation.
Fees: See a comparison of fees across each product.
Insurance: Compare Death & TPD and Income Protection offerings.
Member Servicing: Compare the product's Financial Advice Offerings and Member Communications.
Administration: See information on the product's member call centre and internet based services.
Governance: See information on the fund's Trustee Structure, Fund Service Providers and Disclosure.

If you wish to tailor the fees or insurance comparison, click Edit this Comparison at the top right of this page.

What do the Ratings mean?

The Ratings assesses the overall score for the product against all of those we rate in the market based on our methodology.
Platinum: Overall Product Score of 75%-100%: Excellent Value for Money. Strong across most of our key criteria.
Gold: Overall Product Score of 50%-75%: Good Value for Money. Strong across the majority of our key criteria.
Silver: Overall Product Score 25%-50%: Average value for money super fund. Performs well across some of our key criteria.
Other: Overall Product Score of under 25%: Below average value for money. Performance lags across a number of our key criteria.

What do Road Signs mean?
Excellent: Score of 75%-100%: Well Above Benchmark
Good: Score of 51%-74%: Above Benchmark
Average: Score of 25%-50%: Benchmark
Below average: Score of below 25%: Below Benchmark
Alert: Unable to provide an assessment due to lack of required qualitative information. May impact governance, member servicing, administration, and investment process.
Under Review: Due to recent significant changes, this area is currently under review.

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