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Your super. Your choice.

Take control of your super by choosing your own super fund. Consider Bendigo SmartStart Super® and rest easy knowing your super is working hard for your future.

Why choose SmartStart Super?

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

Low cost

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 fees to switch investment options

 

See how Peter minimised fees with SmartStart Super

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 $236 of indirect costs ($50,000 x 0.472% p.a.) meaning his super will only cost him $334* to manage.

Investment options

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.

Learn more about how to choose the best investment option for you

Insurance

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.

Apply now Make an enquiry
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Investment performance

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.

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

Under age 55:
Bendigo Growth Index Fund
8.54% p.a.

Age 55 to 59:
Bendigo Balanced Index Fund
7.31% p.a.

Age 60 and over:
Bendigo Conservative Index Fund
6.04% p.a.

Learn more about how to choose the best investment option for you

It’s great when our efforts are recognised by industry awards.

Heron 5 Quality Stars 2019 logo
Heron MySuper 2019 logo

It's your future. See it.

Keep track of your super via Bendigo e-banking

Your super is an important part of your future, so we’re making it easier for you to see.  You can view your SmartStart Super balance through Bendigo e-banking along with all your other Bendigo accounts. 

 

How to apply or find out more

Online

Apply online with a simple form

Apply now

Phone

Call us today 7am to 11pm (AEST)

1300 236 344

At a branch

Find your nearest Bendigo Bank branch

*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 April 2019 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 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 is issued by Australian Friendly Society ABN 29 087 648 851 AFSL 247028, and administered by Sandhurst. The Bendigo Funeral Bond is a capital guaranteed by Australian Friendly Society.

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.

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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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