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My future, my way
Superannuation products are issued by our wholly owned subsidiary Bendigo Superannuation Pty Ltd.
Set up & manage my account
It's easy to get started; make the most of your super.
How is my super performing
Insurance in my super
Tools to help you manage your super and keep your details up to date.
Insurance through super explained
Want your employer to pay your super into your SmartStart Super account? Follow these simple steps.
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1Download our Fund Nomination Form
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2Complete your details
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3Return the completed form to your employer
Bendigo MySuper (our default investment option) has passed the government's 2021 annual performance test!
Hands-off approach: Bendigo MySuper investment option (default option)
Bendigo MySuper is the default investment option when you don't make an investment choice upon joining Bendigo SmartStart Super. You can also select Bendigo MySuper as your preferred investment option.
It has three age-based investment options (you can view the Product Dashboard for each option by clicking the link below):
- 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 option based on your age. This means your investment risk automatically reduces as you get older and get closer to retirement.
If you no longer wish to be invested in the Bendigo MySuper investment option, you can make an investment switch at any time by logging on to your secure online account.
Hands-on approach: Choose your investment option
You can choose to invest in a range of investment options, including a socially responsible option as well as a cash option:
- 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)
- Cash account
Strong long-term investment returns
Each Bendigo MySuper life stage investment fund has delivered a strong long-term return over 10 years^
- Under age 55 - Bendigo Growth Index Fund 9.24% p.a.
- Age 55 to 59 - Bendigo Balanced Index Fund 7.58% p.a.
- Age 60 and over - Bendigo Conservative Index Fund 5.93% p.a.
Key performance links
Insurance in my super
1. How do I apply for cover?
To apply for insurance cover in your super, complete the Insurance Application and Personal Health Statement Form. Read our Insurance in super fact sheet to learn more about the types of insurance cover available in super or to discuss your options.
2. How do I change my cover?
You can reduce the amount of cover you have or apply to increase your cover at any time by completing the relevant Insurance form. Read our Insurance Guide to learn more about the options available for tailoring your insurance cover.
3. How do I cancel my cover?
You can cancel your cover at any time by completing an Insurance Cancellation Form. If you change your mind and want cover later, you will have to re-apply and complete additional health checks. Insurance premiums will stop being deducted from your account after you cancel your cover, and you will no longer be able to make an insurance claim.
4. Can I transfer insurance cover from another super fund?
If you have insurance cover in another super fund, you can transfer this across to your Bendigo super account by completing an Insurance Transfer Form. Be particularly careful if you have a pre-existing medical condition or are aged 60 or over, as this may affect your eligibility for new cover. We recommend you speak to your financial adviser or request a call back from one of our wealth specialists if you require general assistance and advice.
Need to make a claim from your super? Here are some relevant links
Not sure what's best for you? Our Wealth Concierge can help.
Superannuation tools and resources
Our annual Member Outcomes Assessment has been finalised. See how we performed for the year ending 30 June 2021.
Education HUB article
View all articles
Investment strategies
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.
Tips to grow your super
It may seem like forever before you can get your hands on your super. But that doesn’t mean you should ignore it. Here are our top tips on how to grow your super.
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.
Important documents
Need to talk to us?
Enquire online
Send us an online enquiry if you have any questions.
Phone
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At a branch
Find your nearest Bendigo Bank branch
Things you should know
^ Performance figures are as at 31 March 2022 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.
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.
