Super
Super designed for
younger Aussies
(not Boomers*)
Finally make sense of Superannuation
Control your investment fees
Transparency, control and guidance
Create your own portfolio
Investments that are easy to navigate. Build a portfolio YOU understand, from YOUR choice of ETFs and funds available through Pearler Super.
Guidelines & protections
You aren't on your own. We selected the 40+ funds with care. And built an investment selection tool that aims to help you create a diversified portfolio.
Lower fees = more invested
You can save on fees by choosing passively-managed investments. We provide easy access so you can avoid paying costly additional layers of fees.
The ETFs named above and the portfolio allocations shown above are for illustrative purposes only, and are not a recommendation or endorsement of these ETFs or of the portfolio allocation you should select.
*Why start with younger Aussies?
The challenges of younger workers in Australia are close to home at Pearler, so the guidelines & protections in Pearler Super focus on long-term buy & hold wealth building. We aim to keep building more specific resources for people closer to retirement - but for now... we aren't open to people born before 1 January 1970.
We want financial independence for ALL, but we live in the world of numbers (and lawyers) so we had to pick a cutoff date. We'll keep working on it...
*Why start with younger Aussies?
The challenges of younger workers in Australia are close to home at Pearler, so the guidelines & protections in Pearler Super focus on long-term buy & hold wealth building. We aim to keep building more specific resources for people closer to retirement - but for now... we aren't open to people born before 1 January 1970.
We want financial independence for ALL, but we live in the world of numbers (and lawyers) so we had to pick a cutoff date. We'll keep working on it...
What you can invest in
No unnecessary layers. Take a look at all the ETFs you can invest in before you even sign up.
Set and forget
Once you've created your portfolio, every contribution you make will automatically be added. And you can easily update your portfolio as your needs change.
Open now, invest later
You can open an account before you invest, play around and build some trust. We can help you invest when you're ready. And if you don't like us, we'll help you close the account!
Fees and costs in Pearler Super will only start to apply to your Pearler Super account once you have contributed or transferred funds into your account.
This is a fee section
Our best attempt at explaining our fees with no jargon.
Annual fees
On an annual balance of $50,000 the total cost would be $219, that averages out at 0.438%* a year...
&
Brokerage fees
There is a 0.11% fee on what you buy or sell. For example, investing $500 into an ETF costs 0.11% x $500. That's 55 cents.
:
e.g. all-up $224.58 on a $50k avg. annual portfolio with 12 x $500 investments.
A few more things we want to say:
No,
we don't charge investment management fees
No,
we don't get any kickbacks from ETF managers for offering their ETFs
Yes,
ETF managers charge their usual fees
Yes,
we like being independent so we can be only on your side
* This is our not-fine-print about fees:
We wanted to combine everything into one simple example percentage, with the aim of you feeling well informed when you did your own read of the PDS and added everything up.
A tip
If you are comparing us to another super fund, you will need to read their documents and include everything that's relevant - not all of the costs may be shown on their main website...
For example, our 0.438% example includes excess fund expenses that are not actually deducted from your personal account (e.g. 0.026% p.a. from the 2023/24 financial year). These excess costs change and may not be applicable in some years, but rather than be vague and leave you to add it up yourself, we've put it right here... even if it does seem quite dense.
Psst... tax efficiency
A topic we've enjoyed seeing get traction online is the way pooled funds (like many superannuation funds) can cost you precious compounding returns due to tax being applied at a fund level rather than at an individual level.
Or, more simply, if someone in a pooled fund sells out of an asset and creates a capital gain, then everyone in the pooled fund is impacted. That sounds like it could benefit one generation (we are winking whilst writing this) more than younger accumulators... shocking right?
With Pearler Super this doesn't happen. It's all about you and how you choose to invest.
Psst... tax efficiency
A topic we've enjoyed seeing get traction online is the way pooled funds (like many superannuation funds) can cost you precious compounding returns due to tax being applied at a fund level rather than at an individual level.
Or, more simply, if someone in a pooled fund sells out of an asset and creates a capital gain, then everyone in the pooled fund is impacted. That sounds like it could benefit one generation (we are winking whilst writing this) more than younger accumulators... shocking right?
With Pearler Super this doesn't happen. It's all about you and how you choose to invest.
Track your budget, shares & super
A finance app for the next generation
94% of our investors are building wealth so they don't have to work forever, or buy a first home (or both)