Super funds typically charge four main fees: administration fees, investment or management fees, and transaction costs. However, many super funds also have hidden fees that aren’t obvious unless you read their PDS.

Administration Fees

Administration fees cover the cost of managing your account, including bookkeeping, customer service, compliance, and operations. These fees are usually charged as either a fixed amount or percentage-based.

Investment Fees

Investment fees cover the cost of managing your super investments, including asset allocation, security selection, portfolio management, and monitoring. These fees are typically percentage-based.

Transaction Costs

Transaction costs are expenses incurred when buying or selling investments within your super. These fees can be either fixed or percentage-based.

Management Fees

There are also fees associated with your underlying investments. When you invest in an ETF (exchange traded fund), you pay a management fee to the ETF provider (e.g., BetaShares, Vanguard, iShares). This fee goes directly to the provider—Pearler does not receive any benefit from offering products from any ETF manager.

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Some super funds charge hidden fees, which can be found in their PDS or additional fee disclosures. These may include buy-sell spreads, switching fees, performance fees, brokerage fees, and extra costs for certain asset classes.

Learn more about Pearler Super’s fees, by reading the PDS.

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As you do your research, you should consider the Pearler Super product disclosure statement. For further reading, please see a full list of important documents here.

If you have more questions or would like to share any feedback, please reach out to us via our live chat or email us at help@pearler.com.