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Superannuation and retirement

Simple, low cost and easy to use, our SmartStart superannuation products are designed to help you retire more comfortably.

Let us help you retire with more

Superannuation products are issued by our wholly owned subsidiary Sandhurst Trustees Limited.

Don't lose your super to fees

The less fees you pay in super, the more you will be able to save towards your retirement.

We make it easy for you

Staying with one fund can make a big difference to how much you retire with - you can take your SmartStart Super account with you when you change jobs (if your employer allows choice).

It's your future, see it

It's never too early or too late - start contributing today. A little effort now can make a big difference later. 

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Super for you

Bendigo SmartStart Super® is rated one of the cheapest public offer funds in Australia, which is great because the less fees you pay in super, the more you will be able to save towards your retirement.

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Pension for when you retire

Bendigo SmartStart Pension® aims to provide a low-cost and easy to use solution to help you in your retirement or as you transition to retirement.

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Planning retirement

You may have an idea of what you want to do once you retire from the workforce. Have you thought about how much income you will need to fund this?

Middle age couple in backyard

Latest super news

Temporary reduction in Superannuation minimum drawdown requirements

Thu, 09 Jul 2020

The Morrison Government has recently announced an extension of the temporary reduction in superannuation drawdown rates for a further year, until 30 June 2022. This measure will benefit retirees with account-based pensions and similar products by reducing the need to sell investment assets to fund minimum drawdown requirements.

Government early super release COVID-19 - Applications are closed

Tue, 12 Jan 2021


In April 2020, the Australian Government provided a stimulus package in response to the COVID-19 pandemic. Measures included income support for individuals, additional payments to support households and temporary limited access to your superannuation fund.  Applications for access to your superannuation closed on 31 December 2020.  For the latest information, please go to for further information.

Things you should know

Sandhurst Trustees Limited

Sandhurst Trustees Limited ABN 16 004 030 737 AFSL 237906 (Sandhurst) is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879. Each of these companies receive remuneration on the issue of the product or service they provide. Sandhurst is the responsible entity and issuer of the managed funds available on this website, and is also the trustee and issuer of the Bendigo superannuation products. Investments in these products are not deposits with, guaranteed by, or liabilities of Bendigo and Adelaide Bank and are subject to normal investment risk, including possible delays in repayment and loss of income and capital invested. Before making an investment decision in relation to one of these products you should consider your situation and read the relevant Product Disclosure Statement available on this site.

Sandhurst is the issuer of the commercial lending products and the provider of any traditional trustee services available on this website. The Bendigo Funeral Bond (“the Bond”) is an investment product issued by Australian Friendly Society Limited (“the Society”), ABN 29 087 648 851 AFSL 247028, with benefits provided by the Society’s Funeral Benefit Fund established under Schedule 1, Rule E of its constitution and administered by Sandhurst. The Travel Protection Plan is issued by AIA Australia Limited ABN 79 004 837 861 AFSL 230043. The Society is associated with the Bank and its related entities. Neither the Bank nor any of its related entities guarantee the repayment of capital invested or the investment performance of the Bond. Information is correct at the date of this document and is subject to change.

The content on this website has been jointly prepared by Sandhurst and Bendigo and Adelaide Bank and contains general advice only. Advice in relation to superannuation and managed investment schemes is provided by Sandhurst and advice in relation to life risk insurance is provided by Bendigo and Adelaide Bank. It is provided as general information and must not be relied upon as a substitute for financial planning, legal, tax or other professional advice. The information is given in good faith and has been derived from sources believed to be accurate at its issue date. Neither Sandhurst nor the Bendigo and Adelaide Bank give any warranty for the reliability or accuracy or accept any responsibility arising in any way, including by reason of negligence for errors or omissions for the information contained on this website. The information contained on this website is subject to change without notice. Neither Sandhurst nor the Bendigo and Adelaide Bank has an obligation to update, modify or amend this website or notify you in the event that a matter of opinion or projection stated changes or subsequently becomes inaccurate.

Neither Sandhurst nor Bendigo and Adelaide Bank is responsible for the content of any other site accessed via this site. That information is the responsibility of the site owner. Links to other sites are provided for convenience only and do not represent any endorsement by Sandhurst or the Bendigo and Adelaide Bank of the products offered by the site owner.

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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