My future, my way
Superannuation products are issued by our wholly owned subsidiary Sandhurst Trustees Limited.
Set up your SmartStart Super account with your employer
It’s easy to pass on your super account details to your employer so that your employer contributions are paid into your SmartStart Super account.
Follow these simple steps
2Complete your details
3Return the completed form to your employer
Year in review: Our CEO and CIO talk about Bendigo Super’s strong 2020/21 financial year
My super investment options
If you do not make an investment choice when you join Bendigo SmartStart Super, or you select Bendigo MySuper as your investment options, your account will be attributed to Bendigo MySuper and your money will be invested as detailed below.
The Bendigo MySuper investment option is comprised of three age-based life stages; please click the fund link below to see the Product Dashboard for the relevant life investment:
- under age 55: Bendigo Growth Index Fund;
- age 55 to 59: Bendigo Balanced Index Fund; or
- age 60 and over: Bendigo Conservative Index Fund.
Your account is automatically allocated to the appropriate investment based on your age. When you reach the age of the next life stage, future contributions will be automatically invested in the next life stage investment, with your account balance switched into that next life stage investment option on or around 31 December of that year. This means the investment risk automatically reduces as you get older.
If you no longer wish to be invested in the Bendigo MySuper investment option and wish to make your own investment choice, you can do this at anytime by making an investment switch either online or in writing to us.
You can choose to invest in a range of investment options, including a socially responsible option as well as cash options:
- Bendigo Defensive Wholesale Fund
- Bendigo Defensive Index Fund
- Bendigo Conservative Wholesale Fund
- Bendigo Conservative Index Fund
- Bendigo Balanced Wholesale Fund
- Bendigo Balanced Index Fund
- Bendigo Growth Wholesale Fund
- Bendigo Growth Index Fund
- Bendigo High Growth Wholesale Fund
- Bendigo High Growth Index Fund
- Bendigo Socially Responsible Growth Fund
- Sandhurst Strategic Income Fund (class B units)
Key performance links
Not sure what's best for you? Our Wealth Concierge can help.
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An investment strategy is what guides your investment decisions. It is based on your future income or capital needs, how long you want to invest for, and how much risk you can live with.
Early access to super
While superannuation is a long-term investment, usually only accessed in retirement, the Government has recognised superannuation may assist you through this time of uncertainty.
The market and your super
Learn more about market volatility and how it plays an important role in building long term growth for your super investment.
Take advantage of salary sacrifice
This can be a great way to boost your super balance and pay less tax overall. Salary sacrificed super contributions are classified as employer super contributions, rather than employee contributions. If you make super contributions through a salary sacrifice agreement, these contributions are taxed in the super fund at a maximum rate of 15%. Generally, this tax rate is less than your marginal tax rate.
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Things you should know
^ Performance figures are as at 30 June 2021 and calculated net of investment fees and costs and estimated tax, but exclude administration fees, insurance premiums, advice fees and other member activity fees. Estimated investment tax rates have been applied, based on assumed returns and estimate asset class allocations of the investment option. Past performance is not an indication of future performance.
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.