Important - smartMonday is making some changes to the administration of the fund in order to deliver improved services to members. If your membership is in PRIME or DIRECT, your account information will be static between 23 March and 22 April 2024.  Click here to read more.

smartMonday Lifecycle uses a lifecycle investment strategy which automatically adjusts the asset allocation as you move through your 'working week'. From your Monday through to Wednesday lunch time we invest 90% in growth-style investments (like shares and property) and only 10% in defensive investments (like cash and bonds). As you move through Wednesday afternoon and Friday into your long weekend, we gradually decrease the percentage of growth-style investments and increase the percentage of defensive investments.

As you can see from the chart, this strategy gently reduces the risk level of your investment portfolio – gliding into your weekend.

smartMonday Lifecycle See how our Lifecycle investment strategy works.