REST super 和 Russell SuperSolution哪个好哦

jok14

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

jok14

www.rest.com.au
www.russell.com.au
2个super的网站

paulccc007

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

jok14

paulccc007 发表于 2016-3-2 23:58
you can ask net income each year after management fees of each fund and then compare, (but history p ...

好像看到过帖子说，应该是Tax on investment earnings吧。不应该算contribution tax

alfredbird

没交钱不应该收tax on contribution的啊，你说的没错。

alfredbird

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。

zhx601

感谢楼上分享！

jok14

alfredbird 发表于 2016-3-3 00:44
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 ...

thanks for sharing. learnt a lot from you.

how about those 2 super funds? which one is better, I prefer REST now

alfredbird

jok14 发表于 2016-3-3 10:21
thanks for sharing. learnt a lot from you.

how about those 2 super funds? which one is better, I  ...

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.

145745

我从第一份工就开始用rest，费用低挺好的。

瓜熟蒂落

是付给你contribution tax 吧， 你再仔细看看。

alfredbird

145745 发表于 2016-3-3 11:24
我从第一份工就开始用rest，费用低挺好的。

I agree that REST is a pretty good one in general.

Victorxing1

Hotplus应该是现在最好的吧

jok14

瓜熟蒂落 发表于 2016-3-3 11:25
是付给你contribution tax 吧， 你再仔细看看。

yes, it is positive figure. sorry I cannot type chinese now. but you know why they pay it to me - the contribution tax?

jok14

alfredbird 发表于 2016-3-3 11:20
what's your definition of 'better'? it is really hard to judge without any detailed requirements.
...

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。

alfredbird

jok14 发表于 2016-3-3 22:03
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 ...

一般来说，income protection在super外面更好。你是什么职业？

alfredbird

jok14 发表于 2016-3-3 14:37
yes, it is positive figure. sorry I cannot type chinese now. but you know why they pay it to me -  ...

15% rebate for your admin fee, insurance premium etc.

jok14

145745 发表于 2016-3-3 11:24
我从第一份工就开始用rest，费用低挺好的。

how about life insurance fees REST charged ?

145745

jok14 发表于 2016-3-4 10:36
how about life insurance fees REST charged ?

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

jok14

145745 发表于 2016-3-4 10:41
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 ...

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 .....

jok14

alfredbird 发表于 2016-3-4 00:17
一般来说，income protection在super外面更好。你是什么职业？

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

145745

jok14 发表于 2016-3-4 11:05
REST increased insurance fees by end of 2015. now it is around $1000 for me. you'd better check yo ...

谢谢提醒

jok14

anyone knows what means "transfer super insurance cover"?