Why choose SmartStart Super?

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

  1. Low cost. Spend less on fees, save more for your retirement.

  2. Flexible investment options. Let us do the work or take control yourself.

  3. Default and tailored insurance options. For peace of mind knowing you and your loved ones are protected.

  4. Apply online in less than 10 minutes, it's that simple.

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, which is great because the less fees you pay in super, the more you will be able to save towards your retirement.

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


  • Peter is under 55, with $50,000 in the Bendigo Growth Fund Index option.

Over the course of a year, Peter can expect to pay a $98 annual fee plus $229 of indirect costs ($50,000 x 0.457%pa) meaning his super will only cost him $327*to manage.

Flexible investment options

Young woman relaxing with her feet up on her desk.

Let us do the work. Bendigo MySuper

If you prefer to sit back and let us do the work for you, you can choose our default option Bendigo MySuper, which has an age-based lifecycle investment strategy that changes with you.

This means your investment mix will automatically change as you get older, moving from investments that aim for higher returns when you're younger, to more stable, conservative investments as you get closer to retirement.

Young couple researching different options at their kitchen table.

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.

Insurance is included.

If life takes an unexpected turn, we want you and your loved ones to be looked after financially.

That's why, if eligible, you'll receive default Death and Total and Permanent Disablement (TPD) insurance on joining, unless you choose to cancel it.

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.

Your annual fees and insurance premiums are paid directly from your super account, so there is no need to worry about additional out-of-pocket expenses.

With super, you're in it for the long-haul

Financial markets can be unpredictable, that’s why we have experts that have been around for over 130 years to manage investment risk and market movements, so that we can deliver competitive long-term returns.

Market projections displayed on a tablet device.

Each Bendigo MySuper life stage investment fund has delivered a strong return over 5 years^:

Under age 55Bendigo Growth Index Fund8.79% p.a.
Age 55 to 59Bendigo Balanced Index Fund7.32% p.a.
Age 60 and overBendigo Conservative Index Fund5.82% p.a.

How to apply or find out more


Apply online with a simple form


Call 1300 236 344

Or have one of our team contact you


At a branch

find your nearest Bendigo branch


Additional Information

*Additional fees may apply. Go to www.moneysmart.gov.au

1superratings.com.au/superratings-top-10. The super fund comparisons were based on the lowest average fees payable on a $50,000 account balance

^ Performance figures are as at 30 September 2018 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.

Sandhurst Trustees Limited Disclaimer