Pearler Super is here as the newest addition to our all-in-one wealth platform. You can now chase financial independence (or your first home) by building wealth across ASX and US shares, micro amounts for you (and kids), plus your super! All from one dashboard.

Even after lots of wins for the Pearler community, and as we’re just about to pass $2bn in Pearler Shares and Micro holdings thanks to sensible, ETF-loving investors, this may be our biggest milestone yet.

We know finance can be scary, so we’ve made sure Pearler Super is backed by some of the most experienced operators in the industry - we want you to feel safe and secure using our products.

Specifically, we've partnered with industry experts who would be your Trustee, Investment Administrator, and Member Administrator, and done our due diligence to ensure we meet the same high standards that are placed on the big super funds. Don’t worry if these terms aren’t familiar, we explain this all below.

In summary though, we are saying that even though Pearler may be a relatively young and independent company, your savings are actually held and administered by institutional partners with over 150 years in business cumulatively. In this blog we give you a bit of a run-down of all the secure compliance measures we have in place.

What are some of the different roles in a super fund?

Running a super fund involves multiple roles to ensure compliance, effective management, and the best outcomes for members, which means you! Simply put, there’s a lot of work behind the scenes to make sure everything runs smoothly and follows the rules.

Here’s a breakdown of the key roles in a super fund:

• Trustee – Legally responsible for the fund, ensuring compliance, oversight of service providers, and making decisions in the best financial interests of members. In our case, we have an independent trustee, more on that below.
• Promoter – Promotes the fund, member communications, and education to help members understand their super.
• Sub-Promoter – A separate party authorised by the Trustee to carry out the Promoter’s activities (Pearler acts as the Sub-Promoter for Pearler Super).
• Investment Administrator – Manages all investment-related aspects, including implementing investment instructions and monitoring cash flow and liquidity.
• Member Administrator – Manages member accounts such as taxation, contributions, rollovers, payments, and reporting for the fund.

Before we move on, here are a few notes on why we think having an independent trustee is great for Pearler Super.

One thing that we are proud of is that, with Pearler Super, you get the benefit of having an independent trustee.

As the name suggests, this means the group of people responsible for actually holding and ensuring Pearler operates for the benefit of Pearler Super members is not just a team within Pearler – they are a completely independent company. This creates a level of checks and balances, and avoids potential situations where say the business or marketing side of Pearler has undue influence over the compliance side of operating a super product. Does your super fund have an independent trustee? Ask them and find out.

Learn more about our independent trustee below!

Who are in these roles for Pearler Super?

To keep everything running smoothly, Pearler Super has three trusted external providers: Equity Trustees Superannuation Limited (Equity Trustees), DASH Promoter Services Pty Ltd, DASH Administration Services Pty Ltd (DASH), and DDH Graham Limited (DDH).

Business	Summary	Role	Description
Equity Trustees	Equity Trustees, established in 1888 by a special Act of the Victorian Parliament, is an Australian financial services company providing trustee and wealth management services. They are ASX listed, check them out!	Trustee	Legally responsible for the super fund.
DASH	DASH provides integrated financial planning software and platform solutions to advisers and institutions.	Promoter Investment Administrator	Authorised to make Pearler the Sub-Promoter. Responsible for all investments management in the fund.
DDH Graham	DDH Graham Limited is a funds management and administration firm, overseeing over $15 billion in investments across Australia.	Member Administrator	Manages member accounts and reporting
Pearler	Pearler is an all-in-one investment platform designed to help every-day Australians achieve long-term financial goals.	Sub-Promoter	Provides general education and advice. Provides member support Promotes the fund and maintains the app and web platform.

By working with these industry experts, we ensure that your Pearler Super account is managed professionally to the highest financial standards following Australian Prudential Regulation Authority ( APRA) regulations – which is an independent statutory authority that supervises institutions across banking, insurance, and superannuation.

Who is Equity Trustees?

Equity Trustees Superannuation is the trustee of the Super Simplifier fund, which includes Pearler Super and the Pearler HomeSoon feature. As the trustee, Equity Trustees is legally responsible for overseeing the fund, managing service providers, and ensuring compliance with regulations. Their role is to supervise Pearler Super and make sure all decisions are made in your best financial interests .

With extensive industry experience, Equity Trustees provides strong governance and oversight , ensuring the fund operates securely and meets all regulatory requirements.

Equity Trustees has been around since 1888, bringing over a century of experience and expertise in managing money and, more recently, super.

Who is DASH?

DASH provides solutions for corporates and institutions , enabling its clients in the delivery of financial advice and investment management. DASH manages around $5 billion for investors in superannuation and investment assets.

Pearler Super and the Pearler HomeSoon feature are offered through Super Simplifier fund – an existing super fund with almost $1.5 billion under management (as at Jan-25). Pearler has been approved to let investors access this fund, meaning you benefit from an established system with institutional partners like Equity Trustees and DDH Graham .

What does DASH do?

• Promoter – in this role, DASH carries out activities to promote Super Simplifier in terms of member communications, and education to help members understand their super.
• Investment Administrator – in this role, DASH manages Super Simplifier’s (and thereby Pearler Super’s) investment operations. This includes executing your buy and sell orders via the Pearler app , managing transactions , and ensuring your money is invested smoothly.

What does this mean for you?

Through Pearler Super, you can open a personal superannuation account where you can build your own investment strategy, with access to the following ETFs:

✅ All-in-one
✅ Geographic
✅ Thematic
✅ Bonds or cash

Who is DDH Graham?

DDH Graham Limited is the Member Administrator , handling key administrative tasks for members of Pearler Super and Pearler HomeSoon . Their role includes:

✅ Processing member queries
✅ Processing new applications
✅ Handling tax management and reporting
✅ Administering contributions, benefits, rollovers, and transfers

DDH Graham Limited is a well-established provider of funds management and superannuation administration services, supporting super funds, trustees, employers, advisers, and members with efficient and reliable administration.

Who is Pearler?

Pearler is an all-in-one finance platform built for the next generation. We help hard working Aussies do sensible things with their money.

As the Sub-Promoter , Pearler is responsible for promoting Pearler Super, maintaining the Pearler web platform and app and ensuring you get the same seamless experience you know and love.

All marketing and promotion of Pearler Super comes directly from us, Pearler, meaning that while you benefit from access to our institutional partners, your experience remains fully on Pearler. You can apply for and manage your super, access customer support, educational content, and help articles —all within the Pearler platform.

You’re in good hands

Pearler Super is APRA regulated and operates within strict financial industry standards , ensuring your money is professionally held and managed to these high standards. We work with trusted compliance partners, including Equity Trustees, DASH, and DDH Graham, who oversee fund management, investments, and administration.

Pearler Super follows all necessary compliance and security measures to protect your hard-earned money, just like any major industry super fund. Your investments are carefully managed, and all processes are in place to maintain transparency, security, and peace of mind.

In short, everyone involved is committed to keeping your hard-earned money safe .

"Is there anything else I need to know?"

As with any financial decision, we recommend considering whether this product is right for you and consulting a financial advisor if needed.

We’re always here to help! If you have any questions, feel free to reach out at help@pearler.com or via live chat during trading hours.

If you found this helpful, you might also enjoy our blog on Why your shares are safe with Pearler .