我现在有2个funds，如题。才知道REST是industry的，Russell是Master Trust，二者之间的区别
现在最近2年的super都在Russell里面，因为公司好像Russell给了admin, invest fee折扣,但是相对还是比REST要高。
好像最近2个funds都是在赔钱，所以自己也不知道选哪个......
另外，REST还一直收我 contribution tax，不明白为什么，最近2年都没有往里面交super呀
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www.rest.com.au
www.russell.com.au
2个super的网站
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you can ask net income each year after management fees of each fund and then compare, (but history price don't mean future price.)
and pay tax because it earn income
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好像看到过帖子说，应该是Tax on investment earnings吧。不应该算contribution tax
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没交钱不应该收tax on contribution的啊，你说的没错。
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关于投资回报率，如果投资的整个market不好，全球股市都在跌的话，所有的super fund的balanced option都是赔钱的。
你要不赔只能是在下跌开始之前把大部分钱换到cash去，问题是谁知道啥时候跌呢？就算及时换过去了，没有及时换回来，错过了5%甚至10%的反弹那又怨谁去呢？
如果你能够及时换成cash，又知道在反弹开始阶段及时投入股票市场，你也不会上来问这个问题了。
所以最好的方案就是选择一个自己长期舒服的投资比例，承受短期的震荡，享受长期的增长。
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thanks for sharing. learnt a lot from you.
how about those 2 super funds? which one is better, I prefer REST now
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what's your definition of 'better'? it is really hard to judge without any detailed requirements.
In general super fund account is only a tool/platform to manage and invest your retirement saving, so it is important to find a tool which matches your specific needs and your investment ability/experience.
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我从第一份工就开始用rest，费用低挺好的。
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I agree that REST is a pretty good one in general.
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Hotplus应该是现在最好的吧
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yes, it is positive figure. sorry I cannot type chinese now. but you know why they pay it to me - the contribution tax?
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我发现了REST的insurance费用比较高，可能是因为industry的原因吧。尤其是income protection cover
总起来要比russell的高很多, $1000 + 今年要。
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一般来说，income protection在super外面更好。你是什么职业？
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15% rebate for your admin fee, insurance premium etc.
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how about life insurance fees REST charged ?
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说实话，没有关注过。我就知道rest比目前公司给的colonial first state的 net benefit要高
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REST increased insurance fees by end of 2015. now it is around $1000 for me. you'd better check yours.
I used to get charged for around $500 per year, but now .....
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just dont know why REST insurance is so expensive, I've checked Russell only $300 per year.
and au super is about $500 per year
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谢谢提醒
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anyone knows what means "transfer super insurance cover"?
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