Manage account/resources
See below for quick links to a range of the most used member resources and tools.
Bendigo SmartStart
Super
Welcome to the same Bendigo Super product you already know.
Manage my account
Resources
Forms and disclosure documents
Investment options
Hands-off approach
The 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 the Bendigo MySuper life stage investment funds*.
Bendigo Growth
Index Fund
Under 55 years of age
7.15% p.a.
Bendigo Balanced
Index Fund
Between the ages of 55-59 of age
5.82% p.a.
Bendigo Conservative
Index Fund
60 years of age and over
4.50% p.a.
2023 Annual Superannuation Performance Test results
Two investment options available within Bendigo Super have not passed APRA’s Annual Superannuation Performance Test:
- Bendigo Growth Wholesale Fund*
- Bendigo High Growth Wholesale Fund*
*Both investment options have been removed from the Bendigo SmartStart investment menu effective 12 June 2024.
Fee Information
Below are the main fees of a Bendigo SmartStart Super account.
| Fee type | Establishment fee | Contribution or rollover fees** | Switching fee** | Annual administration fee |
| Fees | $0 | $0 | $0 | $98 |
Learn more about fees and costs by reading the Product Disclosure Statement (PDS).
Insurance options
Below are the insurance options available to you with the fees paid from your
Bendigo super account.
Default cover
If eligible, you will receive default Death and Total & Permanent Disablement (TPD) cover when you join. You can choose to change, decline or cancel your cover at any time.
Tailored cover
You can apply to tailor your Death, TPD and/or Income Protection cover to suit your personal circumstances.
Transfer your existing cover
You can apply to transfer your existing insurance cover from another super fund to your Bendigo SmartStart Super account.
Learn more about insurance by reading the Bendigo Super Insurance Guide and the Product Disclosure Statement (PDS).
*Performance figures are as at 30 June 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.
**A buy-sell spread may apply. Refer to the relevant PDS for further information on fees and costs.
