When you make a deposit into Pearler Super, it's managed through a network of trusted partners—each with deep expertise in superannuation and decades of experience in the industry. Pearler Super is APRA regulated and operates within strict financial industry standards, ensuring your money is professionally held and managed to these high standards. To learn more about how we’ve partnered with industry experts, read more here.

Once you transfer funds into your Pearler Super account, they’re first received by DDH Graham, the fund’s Member Administrator. Depending on whether it’s a rollover or a voluntary contribution, this may take around 4 business days to appear on Pearler.

From there, DDH Graham transfers the funds to the cash account managed by the fund’s Investment Administrator, DASH—typically within one business day. In some cases, this may take slightly longer if there are tax considerations to process.

Finally, DASH transfers the funds from the cash account into an investment, usually on the same or next business day.

There are a few events that can impact the timeline for your cash being invested.

These include:

• Attempting to deposit further funds while previous trades are settling - DASH withholds new orders until previous orders have settled.

• If no targets have been set for your portfolio - in this case, all funds will be held in cash.

• If your superannuation balance is below the minimum cash balance requirement of $200 or 2% of your portfolio (whichever is greater), as set out in the PDS.

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As always, before making financial decisions, please do your own research and read the Pearler Super product disclosure statement along with the TMD and other important documents listed 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.