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Superannuation and retirement

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

Long-term performance

Managed by experts

Good value

Let us help you retire with more

Superannuation products are issued by our wholly owned subsidiary Bendigo Superannuation Pty Ltd.

Super for you

Bendigo SmartStart Super® offers a fixed annual administration fee which is great in a world of uncertainty. The less fees you pay in super, the more you will be able to save towards your retirement.

Pension for when you retire

Bendigo SmartStart Pension® aims to provide an easy to use solution to help you in your retirement or as you transition to retirement.

2023 Annual Superannuation Performance Test results

Two investment options available within Bendigo Super have not passed APRA’s Annual Superannuation Performance Test (performance test):

  • Bendigo Growth Wholesale Fund*
  • Bendigo High Growth Wholesale Fund*

As it is the first time Bendigo Super has not passed the performance test, we’ve prepared a list of frequently asked questions to help you understand our results.

*Removed from the Bendigo SmartStart investment menu effective 12 June 2024.

Are you in the right super fund?

When it comes to superannuation, there’s no ‘one size fits all’ approach. Choosing a super fund is a personal decision, with many factors to consider.

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How do I choose a super fund

Planning for retirement? Learn more about our retirement income strategy.

Read our latest super news

How to apply or find out more


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Things you should know

Bendigo Superannuation

Bendigo Superannuation Pty Ltd ABN 23 644 620 128 AFSL 534006 (Bendigo Super) is the trustee and issuer of Bendigo SmartStart Super and Bendigo SmartStart Pension (products). Bendigo Super is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879 (Bank). Each of these companies receives remuneration on the issue of the products or services they provide, full details of which are contained in the relevant Product Disclosure Statement (PDS). Bendigo Super, the Bank and its related entities do not guarantee the repayment of capital invested, the payment of income or products’ investment performance. An investment in these products does not represent a deposit with, or liability of Bendigo Super, the Bank or its related entities. The Bank does not stand behind or guarantee the performance of Bendigo Super in its capacity as trustee and issuer of the products. Bendigo Super is not an authorised deposit-taking institution within the meaning of the Banking Act 1959.

Information on the website is subject to change without notice. Any advice in relation to superannuation is provided by Bendigo Super. The information contains general advice only and does not take into account your personal objectives, situation or needs. Before making an investment decision in relation to these products you should consider your situation and read the relevant PDS accessible through this site.

This webpage may contain links to external websites. Bendigo Bank and Bendigo Super are not responsible for the accuracy and content of these websites. The information is the responsibility of the site owners. These links are provided for convenience and information purposes only.

On 27 September 2023, Bendigo and Adelaide Bank Ltd announced it had signed an agreement to sell Bendigo Superannuation Pty Ltd 

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

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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