Fleeced by fees . Fees payable by product providers for referrals and Sponsorship or Promotion may vary between providers. Sponsorship or Promotion fees may be higher than referral fees. REST Super . Colonial First State Investments Limited ABN 98 002 348 352, AFS Licence 232468. Enter the email address associated with your account, and we'll email you a link to reset your password. The Superannuation Star Ratings in this table were awarded in March, 2020. and to receive Canstar's Rate Checker emails and Home Loans newsletter. The more investment options – as a rule of thumb – the higher the costs. Get COVID-19 news you can use delivered to your inbox. Colonial First State’s FirstChoice Wholesale Personal Super is the primary personal super option for employees looking to invest their retirement savings via a fund. Members who join a fund as individuals, as opposed to part of an employee group, sometimes have to undergo medical assessments before being accepted for insurance cover. And some funds – such as Telstra Super, Asset Super, HESTA and Vision Super – provide limited advice at no charge. As Australia’s largest super fund, we use our size and scale to secure competitive fees and lower investment costs. The information has been prepared without taking into account your individual investment objectives, financial circumstances or needs. SuperRatings has two fund comparison services called RateMyFund and RateMyPension. Performance figures shown for Sponsored or Promoted products reflect net investment performance, i.e. 50%. Colonial First State (Retail Super Fund): 1.5 out of 5 stars from 94 genuine reviews on Australia's largest opinion site ProductReview.com.au. Your total super savings should be large enough to warrant the exercise. Level 6, 22 William St, The information in the site is for adviser and researcher use only. AustralianSuper . For instance, Chant West groups performances into portfolios with exposure to a single asset category, such as Australian shares or Australian bonds. High total fees – including administrative fees and investment management fees – are a tremendous handicap to a fund’s real performance. 40%. When comparing funds, it is worth checking that you are considering funds that are being advised by a range of asset consultants. This would mean a staggering difference in the total 10-year return of about 68%. For instance, I know of one industry fund that when notified that a self-employed member wanted to claim tax deductions for $100,000 of the member’s contributions in a financial year actually deducted the sum from his balance. Consider the Product Disclosure Statement before making a purchase decision. A quarter of your super savings in a fund that provides members with the ability to hold direct shares – without having to go to set up a DIY super fund or using a selected wrap account platform or selected commercial master trust. Ratings are only one factor to take into account when deciding whether to make an investment. The Star Ratings were awarded in March 2020 based on data as at that date. Consider the product disclosure statement (PDS) before making any financial decision. As with any insurance product, consider checking the cover amount, any exclusions, limits or other conditions that apply, as well as the premiums you would be charged before deciding whether it suits your needs. Some funds such as CARE Super and Catholic Super charge for limited advice, which is usually deducted from members’ accounts. How do the fees on Colonial First State compare to other funds? Certainly, many fund members value financial planning advice and have used it to really improve their financial positions. I chose Australian Super after my own research (canstar, whirlpool plus friends from treasury and finance). CHOICE supports the First Nations people's Uluru Statement from the Heart. All Rights Reserved. Don’t be apathetic towards your super. Warren Chant’s comments about sticking to funds with first quartile performance are intended by him only as a general guide; of course funds that perform extremely competitively do, of course, slip in and out of the upper quartile from time to time. Canstar provides an information service. 70%. Colonial First State Investments Limited ABN 98 002 348 352, AFS Licence 232468. Here are our top strategies to help you choose the best diversified super fund for your circumstances. Something like 80% of members have their super in funds with these asset allocations.
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