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Love your future self.

A better future starts with a low fee super fund. Welcome to Bendigo SmartStart Super®.

Low fees

Investment options

Insurance included

What makes SmartStart Super a great choice?

Your super fund should be easy to understand, easy to manage, and easy to keep track of. An added bonus is low fees, which ensures you get the most out of your super come retirement. Bendigo SmartStart Super is all of the above, and is rated by SuperRatings as one of Australia’s lowest fee funds1.

  • a low $98 annual admin fee
  • flexible investments
  • competitive insurance options
  • view your super balance every time you log into Bendigo e-banking*

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

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 awards5

 

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Chant West 4 apples logo

Investment options

Option 1 - We do all the work

 

Investments evolve as you get older

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.

Take a look at the range of investment options

Strong investment returns

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

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.

Love your future self.

SmartStart Super ABN 57 526 653 420
SmartStart Super USI STL0050AU

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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.

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How to apply or find out more

Online

Apply online with a simple form

Apply now

Phone

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.

1superratings.com.au/top-10-super-funds. The super fund comparisons were based on the lowest average fees payable on a $50,000 account balance as at 30 June 2020.

^ 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. 

5© Zenith CW Pty Ltd ABN 20 639 121 403 (Chant West), Authorised Representative of Zenith Investment Partners Pty Ltd ABN 27 103 132 672, AFSL 226872 under AFS Representative Number 1280401, 2021. The criteria used by Chant West to judge its awards are subjective ratings that have been determined by us based on data (including historical financial performance information) supplied by third parties. While such information is believed to be accurate, Chant West does not accept responsibility for any inaccuracy in such data. Chant West does not make any representation or give any guarantee or assurance as to the performance or success of any financial product based on the subjective ratings provided. Past performance is not a reliable indicator of future performance. The Chant West awards do not constitute financial product advice, however, to extent that the awards are considered to be advice, it is General Advice (s766B Corporations Act) only. Individuals should seek their own independent financial advice and consider the appropriateness of any financial product in light of their own circumstances and needs before making any investment decision. Chant West has not taken into account the objectives, financial situation or needs of any specific person, including target markets of financial products, where applicable. It is not a specific recommendation to purchase, sell or hold any product(s) and is subject to change at any time without prior notice. Individuals should consider the appropriateness of any advice in light of their own objectives, financial situations or needs and should obtain a copy of and consider any relevant PDS or offer document before making any decision. Ratings are provided in good faith and are believed to be accurate, however, no representation, warranty or undertaking is provided in relation to their accuracy or completeness. Ratings are subject to copyright and may not be reproduced, modified or distributed without the consent of the copyright owner. Except for any liability which cannot be excluded, Chant West does not accept any liability whether direct or indirect, arising from use of the ratings. Past performance is not an indication of future performance. Chant West ratings and research are prepared by Chant West and are not connected in any way to research and ratings prepared by any of our related entities. Full details regarding Chant West’s research methodology, processes, ratings definitions are available at chantwest.com.au/financial-services-guide

*Existing Bendigo Bank e-banking customers only.

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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