Rest Advice

What Rest Advice does

Rest (operating company: Retail Employees Superannuation Pty Limited as Trustee of the Retail Employees Superannuation Trust; consumer brand 'Rest') is an Australian industry superannuation fund founded in 1988 for retail employees and now serving approximately 310,000 members with more than $100 billion in funds under management as of 2024. Headquartered in Sydney, the fund operates as a profit-to-member entity under APRA regulation, with operating subsidiaries Super Investment Management Pty Limited (investment management) and Australian Administration Services Pty Ltd (platform/administration). Its product set spans Rest Super (MySuper), Rest Corporate, Rest Pension, and Rest Advice—the advisory arm delivered through authorized representatives of MUFG Retire360 Pty Limited under AFSL 258145.

The technology and product stack combines a digital member platform with human advice services. Member-facing infrastructure includes the MemberAccess portal, the Rest mobile application (iOS 16.4+/Android 9+ minimum, with passkey authentication), and a digital advice suite comprising the Contributions Optimiser, Retirement Health Check, Investment Choice Solution, and Super Health Check. Investments are offered across seven options (Growth, Balanced, Capital Stable, High Growth, Cash, Sustainable Growth, and indexed options), with the Growth option returning 8.25% per annum since inception to 31 March 2026. Employer-side infrastructure includes the EmployerAccess portal and the Rest Pay clearing house (operated by Wrkr Ltd and ClickSuper Pty Ltd) for Payday Super compliance.

Revenue is generated primarily from member balance-based fees, governed by the profit-to-member constraint that surpluses are redistributed to members rather than paid to shareholders. Simple financial advice about Rest accounts is provided at no additional cost to members; complex advice is fee-bearing. Distribution is hybrid: direct digital self-service for individual members via website, app, and member portal; field enterprise sales through employer partnerships and Standard Choice Form default-fund arrangements; and Rest Advisers for personalized guidance. Recent operational milestones include the $100B AUM crossover in 2024, a 2026 US$250M commitment to a Nuveen US real estate fund plus infrastructure allocations, sustained 20-year SuperRatings Platinum and 21-year Chant West 5 Apples performance ratings, and preparation for Payday Super compliance via the Rest Pay integration.

Name

Rest Advice

Legal name

Retail Employees Superannuation Pty Limited

Website

https://rest.com.au

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

251–500 employees

Short description

Rest is an Australian industry superannuation fund founded in 1988, providing MySuper, corporate super, pension, and digital financial advice products to over 310,000 members with more than $100 billion in funds under management.

Ownership category

akta.pro rank

Product category

Superannuation Fund Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

akta.pro secondary industries

Hybrid Advice (Advisor + Digital) Platforms (FSAAAAAE), Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Superannuation advice
• Retirement planning
• Industry super fund
• Financial advisory
• Pension products

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Financial Advice Services: Rest members can access Rest Advice without incurring additional fees for simple financial advice about their Rest account. An additional fee is payable for complex advice. Rest Advice is provided by MUFG Retire360 Pty Limited as the licensed advice provider.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Rest Advice is a financial advisory service provided to Rest Super members through MUFG Retire360 Pty Limited (AFSL 258145), offering simple financial advice about Rest accounts at no additional cost and fee-based complex advice. It encompasses both digital self-service advice tools (Contributions Optimiser, Retirement Health Check, Investment Choice Solution, Super Health Check) accessible via the online advice platform, and face-to-face or phone-based advice from authorised Rest Advisers. The service supports Rest Super members across retirement planning, contribution optimisation, investment selection, and superannuation strategy reviews.

Product overview

Rest Advice is part of the broader Rest Super ecosystem, an Australian industry superannuation fund established in 1988. The core offering is Rest Super/REST (Retail Employees Superannuation Trust), which includes MySuper and corporate super products. Rest Advice, provided through MUFG Retire360 Pty Limited, delivers financial advisory services including free simple advice on Rest accounts and fee-based complex advice. The digital advice suite includes Contributions Optimiser, Retirement Health Check, Investment Choice Solution, and Super Health Check. Additional products include Rest Pension for retirement accounts, Rest Corporate for employers, Rest App for mobile access, and Rest Pay for employer super contribution management. The ecosystem is supported by investment options (Growth, Balanced, Capital Stable, High Growth, Cash, Sustainable Growth, and indexed options) and insurance products.

Differentiator

Problem solved

Functional benefit

Products and services

• Rest Advice Financial advisory service for Rest Super members, delivered by MUFG Retire360 Pty Limited (AFSL 258145) through authorised Rest Advisers. Provides simple financial advice about Rest accounts at no additional cost, with additional fees disclosed before service for complex advice scenarios. Available via face-to-face, phone, and digital advice channels.
• Rest Super Primary MySuper superannuation product offered by Rest for individual Australian employees, with multiple investment options (Growth, Balanced, Capital Stable, High Growth, Cash, Sustainable Growth, indexed options) and integrated insurance coverage. Established in 1988 for retail employees.
• Rest Corporate Corporate superannuation product designed for employer groups and corporate plan arrangements, enabling employers to provide tailored superannuation benefits to their workforce under a group arrangement.
• Rest Pension Account-based pension product for members converting their superannuation savings into retirement income, including Transition to Retirement and Retirement Bonus options. Awarded SuperRatings Platinum 2026 Pension rating.
• Rest App Mobile application enabling Rest Super members to manage their superannuation accounts on iOS and Android devices, with passkey authentication and account access features.
• Rest Pay Employer clearing house solution for managing superannuation contributions, powered by Wrkr Ltd and ClickSuper Pty Ltd (trading as Wrkr PAY). Purpose-built for Payday Super compliance with real-time contribution tracking.
• Rest Retire Ready Retirement planning experience and service to help Rest members prepare for and transition into retirement.

Quantifiable outcome

• 8.25% pa compound average effective rate of net earnings for Growth option since inception (1988) to 31 March 2026

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• MUFG Retire360 Pty LimitedcoreImplementation/ SI/ Consulting PartnerRest Advice is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836, AFSL 258145. It consists of advice provided by Rest Advisers who are authorised representatives of Retire360 and Digital Advice tools.
• Wrkr Ltd and ClickSuper Pty Ltd (Rest Pay)coreTechnology or IntegrationRest Pay is the brand name for the clearing house solution provided by Wrkr Ltd (ABN 50 611 202 414) and ClickSuper Pty Ltd (ABN 48 122 693 985, AFSL 337805) trading as Wrkr PAY. Purpose-built for Payday Super compliance.
• Australian Administration Services Pty Ltd (AAS)coreTechnology or IntegrationAAS provides MemberAccess and EmployerAccess platforms for Rest members and employers to manage super accounts online.
• Think Human (Mindset for Life)minorStrategic or Co-development PartnerMindset for Life program developed by Think Human Founder & Director Melanie Lambert in partnership with South Australian Government Office for Ageing Well and TACSI. Content focuses on stages of retirement and benefits of adopting a growth mindset for the Retiring Well at Myer program.
• Industry Fund Services (IFS) Unpaid SuperminorImplementation/ SI/ Consulting PartnerIFS Unpaid Super is the appointed credit manager for Rest, conducting arrears collection service on behalf of Rest for outstanding superannuation payments.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Hostplus: Industry super fund for hospitality, tourism, sport and retail workers; directly comparable to Rest given overlapping retail-sector employer base and similar accumulation-to-pension product suite.
• UniSuper: Industry super fund primarily serving higher-education and research employees; offers accumulation, pension and advice services with a similar profit-to-member structure and comparable digital advice tooling.
• Cbus Super: Industry super fund for construction and building industry workers offering accumulation, pension and advice products, comparable to Rest in serving a defined employment vertical with employer relationships.
• AustralianSuper: Australia's largest industry super fund, offering comparable accumulation, pension and digital advice services to a similar member base of working Australians and employers; the category leader Rest benchmarks itself against.
• HESTA Super: Industry super fund for health and community services workers providing accumulation, retirement income and digital advice services, comparable in scale and profit-to-member positioning to Rest.
• Australian Retirement Trust: Industry super fund formed from the QSuper and Sunsuper merger, providing super accumulation, pension and advice products through a profit-to-member model directly comparable to Rest's proposition.

Others

• MUFG Pension & Market Services: Parent of Rest Advice's licensed provider (MUFG Retire360) and broader fund administration peer; relevant because it both supplies Rest's advice infrastructure and competes in super administration and advice services more broadly.

Broad incumbents

• Mercer Australia Super Trust: Large corporate super fund run by Mercer offering accumulation, pension and digital advice services to employer-sponsored members, comparable in targeting employer relationships and delivering hybrid advice.
• Colonial First State Super (now part of Insignia): Major retail super and platform provider offering accumulation, pension and advice services; broader portfolio including legacy products but overlapping member experience and digital advice features with Rest.
• BT Panorama / BT Super: Westpac-owned retail super and platform business providing accumulation, pension and digital advice tools, comparable in digital advice experience and retirement planning features to Rest Advice.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/restsuper
• YouTubeyoutube.com/user/RESTindustrySuper
• Facebookfacebook.com/RestSuper
• LinkedInlinkedin.com/company/rest-super
• Instagraminstagram.com/restsuper

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rest Advice