Super
Take back control of your super
Why pay your super fund to make decisions you can make for yourself?
Built by the next generation
“After building a platform for Aussies to invest, we saw over 85% of savings were going into diversified ETFs for long-term goals. So we thought: Why not bring ETFs to super?
We teamed up with experienced partners to make it happen. Now, it's here!”
- Hayden, Nick and team
We thought: Why not bring ETFs to super?
So we made it happen.
How are we different?
No Pearler investment management fees.
ETFs take care of that.
We believe no one can predict the future. That's why we don't rely on super fund managers to make investment predictions or charge an investment management fee. Instead, we've built technology to empower and guide you to choose your own ETFs.
While ETFs have their own fees, you can save by choosing low-cost, passively managed options.We leave the management fees to the ETFs.
Simplicity, clarity, control
Choose your own ETFs to align with your values, see exactly where you're invested, and stay in sync with your overall strategy.Choose your ETFs and know exactly where you're invested.
For people born after 1970,
(sorry, Boomers)
The challenges of younger Aussies are close to home at Pearler. We built Pearler Super to help them build wealth earlier. We'll be honest, we think there are enough funds out there catering to ultra-high balances and those needing retirement income.We get the challenges young Aussies face. That's why we built Pearler Super for them.
We aim to build specific tools for people closer to retirement - but for now... we aren't open to people born before 1 January 1970.For now, Pearler Super is for those born after 1 Jan 1970.
What you can invest in
Explore all ETFs before you sign up.
Open now,
invest later
Pricing
Our best attempt at explaining our fees with no jargon.
Investment Management Fees
0%
Pearler investment management FeesPearler investment mgmt. Fees
From 0.035%
ETF investment management Fees
Build a demo portfolio. See your fees.
Admin & Transaction Fees
0.438%*
Administration fees
0.11%
Brokerage fees per buy/sell
* for portfolios under $10,000 a cash management fee is calculated on a cash balance of $200 at a maximum of 1.5% p.a.
Examples of our fees
Examples of our fees
Annual avg. balance
Cost p.a.
$0
$0
$10k
$49.60
$25k
$115.10
$50k
$224.60
$75k
$334.10
$100k
$443.60
Examples include annual product fees & costs, plus 12 x $500 investments and a minimum cash balance of $200 or 2% p.a. (whichever is greater), except where $0 is chosen, where the cost is nil. ETF fees will depend on your choice.
Stop copping other people's capital gains
Some large or older super funds are pooled funds, which means your assets and tax treatment could be commingled alongside thousands of earners or retirees.
For example, when an asset is sold within the fund and capital gains tax is incurred, the tax liability may be spread across all members, impacting their returns even if they did not sell any assets themselves. This can reduce the amount available for compounding. The tax impact is not always easy to track and is not always explained clearly, making it difficult to compare different fund structures.
Pearler Super keeps your portfolio separate, isolating your super from the actions of other investors. Why not research “tax pooling in super” to continue learning?
