smartMonday for individuals

Smarter, easier super
Kick-start the future you want. Today.

Every Monday is a new opportunity. To start fresh, to take control, to be motivated, to get ahead, to set a positive tone for the rest of your week.

In the same way, we know every Monday is a chance to be proactive about your finances to start securing your dream retirement.

At smartMonday, we've combined our award-winning super fund with a focus on empowering our members with everyday, easy actions to help grow their super, remembering even small steps can add up to a big tomorrow.

The smartMonday approach

Great performance and good value

Count on us

You work hard for your money and you deserve it to work hard for you. At smartMonday, we're experts in retirement and investment. We take the responsibility of managing the savings and wealth protection of our members very seriously.

smartMonday is the fresh face of Aon Master Trust, an award-winning super fund with track record of creating wealth for our members, honed over three decades. Aon's worldwide group of companies is trusted to safeguard over $130 billion in funds under management so your money is in safe hands.

  • Australian Financial Review's Smart Investor 'Retail Super Fund of the Year' (2014, 2015 and 2016)
  • Awarded the highest Platinum independent accreditation each year for the last decade by SuperRatings (2006-2016)
  • Top '5 Star' Heron independent rating from 2009 to 2017.

View our latest investment performance results here

Competitive fees

We want you to be able to make informed choices, so we've included our fees here:

Administration fees Investment fees
Asset administration fee:
  • Aon MySuper
0.53% pa
  • Other investment options:
0.50% pa (0.45%pa for smartMonday DIRECT)
Member fee: $89.52pa*
  • Aon MySuper:
0.24% pa
  • Other investment options:
0.50% to 1.39%pa
* Fees are current for 2018/19. Investment fees shown here do not include indirect costs (ICR) which can vary for each option. Other fees apply, such as insurance fees and fees for certain activities. See the relevant Product Disclosure Statement (PDS).


  • A portfolio rebate is also available within smartMonday DIRECT if you have an account balance of $250,000 or more.

Insurance cover to protect you and your family

Insurance may not be top of mind when you're young and feeling healthy, and that means it can easily wind up at the bottom of the to-do list. But if one of life's 'what if' moments does happen - like loss or interruption of income, serious injury or death - it's important to know that you and your loved ones will have financial security. And that's where we can help. With our flexible and competitive insurance options, we make it easy to protect what matters to you the most.

  • With smartMonday, you're automatically covered with minimum levels of cover for events such as death and total permanent disablement (TPD)
  • We have a range of insurance options, including customisable cover for loss or interruption of income
  • It's easy to apply for extra cover, reduce cover or opt out at any time. You may also be able to transfer insurance from another fund to smartMonday.
  • If the unthinkable happens, we'll guide you through our insurance claims process. Get in touch with us to discuss the claims process and options available to you.

Investment options and products for every stage of your life

Super is like a pair of pants, one size doesn't fit all! So at smartMonday, we've made it easy for your super plan to be as unique as you are. Your investment approach can reflect what stage you're at in your wealth journey, as well as incorporating personal factors like your own individual goals, how hands-on you want to be, your personality and your appetite for risk.

  • Choose to customise your super by mixing and matching between our range of pre-mixed and sector options. Learn more
  • If you are a smartMonday PRIME member and would prefer to leave the investment decisions to us, you can select our default MySuper option which relies on your pioneering glidepath design. It's customised to your life-stage, meaning we invest in growth-style investments when you're younger and more defensive investments as you head towards retirement. Learn more
  • If you're retired or transitioning to retirement, you can enjoy the security of an income stream with a smartMonday Pension. Learn more
  • We have a fast, simple and complimentary consolidation service.

Advice and support

Smart, easy actions

At smartMonday, we believe that a little action today can go a long way towards creating the future you want. That's why we're pioneering a movement to make Mondays matter, with every Monday a fresh chance to take a small step in the right direction towards maximising your wealth. We'll even make it easy for you, by sharing our tips for smart, easy actions that will help you to make the most of every single financial opportunity we can find. Learn more in the Smart Easy Action section of our Resources page.

Super health check

It's no secret that super can be complicated. With so many variables and options, how do you know what's best for you? Enter our super health check. It's a free service as part of your smartMonday super membership. Our in-house experts are ready to answer any questions you may have, and they'll look at your account to make sure it's healthy and includes the right products and services for you.

And if you'd like more specialised advice to help you make decisions on a wide range of financial matters, we can also link you up with one of our expert Financial Advisers. Learn more


WeCare is a service provided by insurer AIA Australia Limited to members who have their insurance with them through smartMonday. It's a free phone service for members and their direct family in the times when you need it most.

You can reach out to WeCare for counselling services, access home care services when your circumstances change, receive funeral assistance following the loss of a loved one and even obtain advice with legal and tax issues. Call WeCare on 1800 828 736 and mention you're a member, or family of a member, of smartMonday.

Join smartMonday super today, and start building a better tomorrow.

Member enquiries

Have an enquiry?
Please choose the appropriate contact below:

Not TESF or Enterprise
PO Box 1949
smartMonday TESF
Includes previous TESF members
PO Box R713
Royal Exchange NSW 1225
smartMonday Enterprise
Includes previous Enterprise members
PO Box 1282
Albury NSW 2640
smartMonday PENSION
Includes previous TESF Pension members
PO Box 1282,
Albury NSW 2640

Not sure who to call?

Speak to a smartCoach on 1300 262 241 or email

Make Mondays matter

smartMonday is the business name of the Aon Master Trust ABN 68 964 712 340 (the Fund) which has been registered by Aon Hewitt Limited ABN 48 002 288 646 AFSL 236667 as sponsor of the Fund. The Trustee of the Fund is Equity Trustees Superannuation Limited ABN 50 055 641 757 AFSL 229757 RSE Licence L0001458. smartMonday PRIME, smartMonday DIRECT and smartMonday PENSION products are part of the Fund.
© 2019 Aon Hewitt Limited – Financial Services Guide

The WeCare service is provided to members of the Aon Master Trust and their families by NHS Australia Pty Ltd ABN 38 080 244 195