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Make the most of your retirement

Low cost and easy to use, Bendigo SmartStart Pension aims to help you live your dream lifestyle when you retire.

Why choose SmartStart Pension?

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

Low cost. Enjoy your retirement savings, don't spend it on fees.
Flexible pension types and payment options.
Low $10,000 minimum initial investment.

It's money you've worked hard for. Don't spend it all on fees.

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

  • Competitive administration fee of $98 p.a. plus a percentage-based administration fee of 0.20% p.a.
  • No establishment fee
  • No contribution/rollover fee
  • No fees to switch investment options


If you have a constant $50,000 invested in the Bendigo Balanced Index Fund, you'll be looking at a total of $441.

This includes an administration fee of $98 p.a., a percentage-based fee of 0.20% p.a. plus investment costs (charged by the managed fund) of 0.485% p.a. ($243)*.


There are two ways you can choose to fund your retirement

A standard pension

If you have permanently retired and have reached your Preservation Age, you can choose to convert your super savings into a tax effective income stream.

You can receive your pension payments to your nominated bank account fortnightly, monthly, quarterly, half-yearly, or annually.

A Transition to Retirement pension (TTR)

If you have reached your preservation age but are still working, you can still use your super to commence a tax-effective income stream.

You can do this in combination with reducing your hours of work to slowly ease into retirement, or it can be used to boost your income through fortnightly, monthly, quarterly, half-yearly or annual payments, while you are still contributing to super from your salary.

Product disclosure documents

Should be read in conjunction with each other

Speak to a Financial Planner today to plan your retirement strategy.

How to apply or find out more


Apply online with a simple form

Apply now


Call us today between 8am and 6pm (AEST/AEDT)

At a branch

Use our branch locator to search for a branch, agency or ATM near you.

Things you should know

View the Target Market Determination for this product.

*Additional fees may apply. Go to

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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