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Your super. Your choice.

Consider Bendigo SmartStart Super® and rest easy knowing your super is working hard for your future.

SmartStart Super ABN 57 526 653 420
SmartStart Super USI STL0050AU

Why choose SmartStart Super?

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

Low fees

Investment options

Investment performance

Insurance included

Low fees

Paying low fees can make a big difference to how much superannuation you'll have at retirement. SmartStart Super is rated one of the cheapest public offer funds in Australia1. 

  • Only $98 annual admin fee
  • No establishment fee
  • No contribution/rollover fee
  • No fees to switch investment options

Industry awards


Money Magazine Winner 2020 logo.
HERON my super award for Bendigo Smartstart super 2020

Investment options


Option 1

Let us do the work. Bendigo MySuper.

Our default option Bendigo MySuper, has an age-based lifecycle investment strategy that changes with you.

Meaning your investment mix will automatically change as you get older, moving from investments aiming for higher returns when you're younger, to more stable, conservative investments as you get closer to retirement

Option 2

You take control. Pick and choose your investment mix.

If you prefer a more hands-on approach to your super, you can choose to invest in a range of investment options, including a socially responsible option as well as cash options. 

Strong performance

Each Bendigo MySuper life stage investment fund has delivered a strong return over 7 years^

Under age 55

Bendigo Growth Index Fund 8.17% p.a.

Age 55 to 59

Bendigo Balanced Index Fund 7.18% p.a.

Age 60 and over

Bendigo Conservative Index Fund 6.16% p.a.

Protect against the unexpected

If life takes an unexpected turn and you get sick or injured and can no longer work, having insurance through super can provide an important safety net. If eligible, you'll receive default Death and Total and Permanent Disablement (TPD) insurance on joining SmartStart Super, unless you choose to cancel it. Your insurance fees (or premiums) are paid directly from your super so you don’t have to worry about paying any extra bills.

You can also apply:

  • for Income Protection cover;
  • to tailor your Death and TPD cover; and/or
  • to transfer cover from an existing insurance policy.

Read our fact sheet on insurance in super for more information.

Take control of your future. Apply online today.

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Young couple smiling and talking while walking through the Sydney Botanic Gardens.

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.

Young couple smiling and talking while walking through the Sydney Botanic Gardens.

How to apply or find out more


Apply online with a simple form

Apply now


Monday to Friday - 8am to 9pm AEST
Weekends (Saturday and Sunday) - 9am to 8pm AEST
1300 236 344

Calling from overseas - standard international call charges apply:
+61 3 5445 0666

At a branch

View our Coronavirus page for important information about visiting our branches. The super fund comparisons were based on the lowest average fees payable on a $50,000 account balance

^ Performance figures are as at 30 June 2020 and are calculated before tax and after investment costs; using withdrawal prices and assumes distributions are reinvested. Past performance is not an indication of future performance.


Information for temporary residents departing Australia



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.

Refer to the Bendigo and Adelaide Bank terms of use for information that governs this website.

Financial Services Guide

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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