Bendigo SmartStart Super

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.

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Finder Score	Last 1 year performance (p.a.)	Last 3 year performance (p.a.)	Last 5 year performance (p.a.)	Last 10 year performance (p.a.)	Fees on $50k balance (p.a.)
6.3 Standard Bendigo SmartStart - Defensive Index Fund	6.3 Standard	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $328	View details Compare product selectionCompare	loading
5.7 Standard Bendigo MySuper - Growth Index Fund	5.7 Standard	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $338	View details Compare product selectionCompare	loading
5.6 Standard Bendigo SmartStart AP - Bendigo Conservative Index Fund New	5.6 Standard	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $428	View details Compare product selectionCompare	loading
5.5 Standard Bendigo SmartStart AP - Sandhurst Strategic Income Fund (Class B) New	5.5 Standard	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $443	View details Compare product selectionCompare	loading
5.6 Standard Bendigo SmartStart AP - Bendigo Defensive Index Fund New	5.6 Standard	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $428	View details Compare product selectionCompare	loading
6.8 Standard Bendigo SmartStart AP - Cash Account New	6.8 Standard	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $208	View details Compare product selectionCompare	loading
5.6 Standard Bendigo SmartStart AP - Bendigo Balanced Index Fund New	5.6 Standard	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $428	View details Compare product selectionCompare	loading
5.8 Standard Bendigo SmartStart Super - Balanced Index Indexed investment	5.8 Standard	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $328	View details Compare product selectionCompare	loading
Not yet rated Bendigo SmartStart - Growth Index Fund New	Not yet rated	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $338	View details Compare product selectionCompare	loading
5.8 Standard Bendigo MySuper - Conservative Index Fund	5.8 Standard	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $328	View details Compare product selectionCompare	loading
5.5 Standard Bendigo SmartStart AP - Bendigo High Growth Index Fund NewHigher risk	5.5 Standard	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $448	View details Compare product selectionCompare	loading
5.8 Standard Bendigo MySuper - Balanced Index Fund	5.8 Standard	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $328	View details Compare product selectionCompare	loading
3.5 Basic Bendigo SmartStart Super - Sandhurst Strategic Income	3.5 Basic	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $343	View details Compare product selectionCompare	loading
Not yet rated Bendigo SmartStart - Conservative Index Fund New	Not yet rated	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $328	View details Compare product selectionCompare	loading
5.5 Standard Bendigo SmartStart AP - Bendigo Growth Index Fund New	5.5 Standard	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $438	View details Compare product selectionCompare	loading
6.2 Standard Bendigo SmartStart Super - High Growth Index Indexed investmentHigher risk	6.2 Standard	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $348	View details Compare product selectionCompare	loading
5.5 Standard Bendigo SmartStart - Cash Account	5.5 Standard	Last 1 year performance (p.a.) N/A	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $108	View details Compare product selectionCompare	loading

Showing 17 of 17 results

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 June 2026

Finder Score for super funds

Finder 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.

Read the full methodology

Key features of Bendigo SmartStart Super

MySuper investment product. Bendigo MySuper is the default investment option, which invests your balance in a range of asset classes based on which age group you're in.
Low fees. Bendigo MySuper has low fees than many other retail super products in the market.
Lots of investment options. There's a wide range of pre-mixed investment options to choose from as well as the MySuper product.

Bendigo SmartStart Super investment options

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.

Option 1: Bendigo MySuper

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+
Investment option	Bendigo Growth Index Fund	Bendigo Balanced Index Fund	Bendigo Conservative Index Fund
Risk Level	Medium to High	Medium to High	Medium
Target asset allocation	Growth assets: 80% Defensive assets: 20%	Growth assets: 60% Defensive assets: 40%	Growth assets: 40% Defensive assets: 60%

Option 2: Choose your own investment

If you want to choose your own investments and prefer a "hands-on" approach, this option allows you to choose between 8 different investment options. These include a variety of managed funds across different risk levels.

You can choose from the investment options below, which include the three options used in the MySuper lifestage strategy.

Investment option	Risk level	Asset allocation
Bendigo Defensive Wholesale Fund	Low-Medium	Growth assets: 20% Defensive assets: 80%
Bendigo Defensive Index Fund	Low-Medium	Growth assets: 20% Defensive assets: 80%
Bendigo Conservative Wholesale Fund	Medium	Growth assets: 40% Defensive assets: 60%
Bendigo Conservative Index Fund	Medium	Growth assets: 40% Defensive assets: 60%
Bendigo Balanced Index Fund	Medium-High	Growth assets: 60% Defensive assets: 40%
Bendigo Growth Index Fund	Medium-High	Growth assets: 80% Defensive assets: 20%
Sandhurst Strategic Income Fund (Class B units)	Low	Defensive assets (diversified fixed interest): 100%
Cash Account	Very low	Growth assets: 0% Defensive assets: 100%

Insurance

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.

How do I join Bendigo SmartStart Super?

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:

Personal details. You'll need to provide you personal contact details including your Australian residential address.
Previous super fund details. If you'd like to roll over your existing fund into the new fund online, you will need your current fund details.

You will need to select:

Investment option. You'll be asked to select your investment option out of the two options detailed about, so have a think about this before beginning your application.
Insurance instructions. You'll be asked if you'd like to opt out of or tailor the default insurance policies.

DISCLAIMER: This article may contain general advice. You should consider your own personal circumstances before deciding if a superannuation product is right for you. Superannuation is a long term investment and past performance is not indicative of future performance.

Sources

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Written by

Alison Banney

Editorial Manager, Money

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Alison is an editor at Finder and a personal finance journalist with over 10 years of experience, having contributed to major financial institutions and publications such as Westpac, Money Magazine, and Yahoo Finance. She is frequently quoted in media outlets like SmartCompany and SBS, offering expert insights on superannuation and money management. Alison holds a Bachelor of Communications in Public Relations and Journalism from the University of Newcastle, and has earned three ASIC RG146 certifications in superannuation, securities and managed investments and general financial advice, ensuring her expertise is fully aligned with ASIC standards. See full bio

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Alison has written 648 Finder guides across topics including:

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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.