Bendigo SmartStart Super | Performance, features and fees
Bendigo SmartStart Super is a retail fund that offers several low-fee investment options, including a MySuper product which adjusts your investment mix in line with your stage of life.

You'll automatically be invested in the Bendigo SmartStart Super Growth - Index Fund while you're under 55 years old, which is the default option. You can change your investment choice at any time after joining.
We currently don't have that product, but here are others to consider:
How we picked theseFinder Score makes comparing superannuation products easier by scoring products out of 10 after assessing their performance, fees and features.
We assess products from over 40 providers based on their risk profile.
The information in this table is based on data provided by SuperRatings Pty Limited ABN 95 100 192 283, a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, Australian Financial Services Licence No. 421445. In limited instances, where data is not available from SuperRatings for a product, the data is provided directly by the superannuation fund.
*Past performance data and fee data is for the period ending March 2025
Bendigo SmartStart Super offers two ways to invest, depending on how "hands-on" you wish to be with your fund. These two options are detailed below.
This option is the default investment option when opening the fund, if you do not wish to choose your investment strategy. This option is an authorised MySuper product, enabling employers to make compulsory superannuation guarantee contributions to employees who don't select their own fund.
Your investments are completely managed for you and follow a lifestage investment strategy, as described below.
Under 55 years | Aged 55 - 59 | Aged 60+ | |
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Investment option | Bendigo Growth Index Fund | Bendigo Balanced Index Fund | Bendigo Conservative Index Fund |
Risk Level | High | Medium to High | Medium |
Target asset allocation |
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If you want to choose your own investments and prefer a "hands-on" approach, this option allows you to choose between 11 different investment options. These include a variety of managed funds including a newly launched socially responsible investment option.
You can choose from the investment options below as well as the three investment options listed above in the MySuper fund. You can also choose to invest in a cash product.
Investment option | Risk level | Asset allocation |
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Bendigo Defensive Wholesale Fund | Low |
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Bendigo Defensive Index Fund | Low |
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Bendigo Conservative Wholesale Fund | Low-Medium |
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Bendigo Conservative Index Fund | Low-Medium |
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Bendigo Balanced Wholesale Fund | Medium |
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Bendigo Balanced Index Fund | Medium |
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Bendigo Growth Wholesale Fund | Medium-High |
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Bendigo Growth Index Fund | Medium-High |
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Bendigo Socially Responsible Growth Fund | Medium-High |
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Bendigo High Growth Wholesale Fund | High |
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Bendigo High Growth Index Fund | High |
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Automatic Death and Total Permanent Disablement (TPD) insurance is applied to your account when joining. You can opt out of this if you wish either when you apply or after your account is opened, or tailor it to better suit your needs. You can also apply for Income Protection cover if needed, or transfer cover over from your previous policy. All insurance premiums are deducted from your super account directly.
If you've decided this is the super fund for you, you can apply online in less than 10 minutes. Please note you must be over 18 years old to apply online.
You will need to supply:
You will need to select:
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