A better future starts with a low fee super fund. Welcome to Bendigo SmartStart Super®.
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.
Superannuation products are issued by our wholly owned subsidiary Bendigo Superannuation Pty Ltd.
Low fees
Paying low fees can make a big difference to your retirement savings. SuperRatings rates Bendigo SmartStart Super as one of Australia’s lowest fee funds1.
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$98 annual admin fee
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No establishment fee
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No contribution or rollover fees6
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No switching fees6
Where the smart money is
Bendigo Growth Index Fund is our most popular investment option, and continues to deliver long-term returns.
6.84% p.a.
10-year return^
2023 Annual Superannuation Performance Test results
Our announcement provides details on which Bendigo Super investment options did not pass the performance test, along with a list of frequently asked questions to help you understand our results.
What are your investment options?
We do all the work
Our default option Bendigo MySuper is an age-based investment strategy designed for members who prefer a hands-off approach to their super. As you grow older and get closer to retirement, your investment mix will automatically change to reduce the level of risk involved.
Below are the 10-year returns for each of our Bendigo MySuper life stage investment funds^
You take control
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.
- Bendigo Defensive Wholesale Fund
- Bendigo Defensive Index Fund
- Bendigo Conservative Wholesale Fund
- Bendigo Conservative Index Fund
- Bendigo Balanced Wholesale Fund
- Bendigo Balanced Index Fund
- Bendigo Growth Wholesale Fund
- Bendigo Growth Index Fund
- Bendigo High Growth Wholesale Fund
- Bendigo High Growth Index Fund
- Bendigo Socially Responsible Growth Fund
- Sandhurst Strategic Income Fund (class B units)
- Cash account
Not sure what's best for you? Our wealth specialists can help.
What are your insurance options?
Default cover
If eligible, you will receive default Death and Total and Permanent Disablement (TPD) cover when you join. You can choose to decline or cancel your cover at any time.
Tailored cover
We have a range of insurance options available. You can apply to tailor your Death, TPD and/or Income Protection cover to suit your personal circumstances.
Transfer cover
You can apply to transfer your existing insurance cover from another super fund.
View more information about insurance in super, including forms and fact sheets.
Are you in the right super fund?
When it comes to superannuation, there’s no ‘one size fits all’ approach. Choosing a super fund is a personal decision, with many factors to consider.
How do I choose a super fund
How to apply or find out more
Online
Apply online with a simple form
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.
Fund details
Fund name: SmartStart Super
ABN: 57 526 653 420
USI: STL0050AU
Product disclosure documents
These documents should be read in conjunction with each other.
From time to time, information in the Product Disclosure Statement (PDS) needs updating. For the latest updates, read our ‘Product Disclosure Statement - updates’.
Visit our Forms, Guides, and disclosures page for everything you need to fill in, plus anything else you need to know.
Already have a SmartStart Super account?
Our member page has useful information and tools to help you get the most out of your super savings.
Things you should know
Target Market Determinations for products are available.
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 September 2023.
6Buy-sell spread may apply. Read the relevant Product Disclosure Statement (PDS) for full disclosure of fees and costs.
^ Performance figures are as at 31 March 2024 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.
*Existing Bendigo Bank e-banking customers only.
Bendigo Superannuation
Bendigo Superannuation Pty Ltd ABN 23 644 620 128 AFSL 534006 (Bendigo Super) is the trustee and issuer of Bendigo SmartStart Super and Bendigo SmartStart Pension (products). Bendigo Super is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879 (Bank). Each of these companies receives remuneration on the issue of the products or services they provide, full details of which are contained in the relevant Product Disclosure Statement (PDS). Bendigo Super, the Bank and its related entities do not guarantee the repayment of capital invested, the payment of income or products’ investment performance. An investment in these products does not represent a deposit with, or liability of Bendigo Super, the Bank or its related entities. The Bank does not stand behind or guarantee the performance of Bendigo Super in its capacity as trustee and issuer of the products. Bendigo Super is not an authorised deposit-taking institution within the meaning of the Banking Act 1959.
Information on the website is subject to change without notice. Any advice in relation to superannuation is provided by Bendigo Super. The information contains general advice only and does not take into account your personal objectives, situation or needs. Before making an investment decision in relation to these products you should consider your situation and read the relevant PDS accessible through this site.
On 27 September 2023, Bendigo and Adelaide Bank Ltd announced it had signed an agreement to sell Bendigo Superannuation Pty Ltd