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MySuper

Your super, for every stage of life.*

Life changes, and your super should too. That's why your investment moves through four stages, gradually shifting from growth to protection as you get closer to retirement.

YOUR INVESTMENT JOURNEY

Super that moves with you

We adjust your investment as you move through life, shifting from growth to greater protection over time. 


GrowthDefensive
What’s in the mix Growth: Higher risk, higher return potential (e.g. shares). Defensive: Lower risk, steadier returns (e.g. cash and bonds).
1

LifeStage

Age 50 and under

Higher allocation to growth assets.

The investment mix has a strong focus on growth assets, with a smaller allocation to defensive assets.

Return target

CPI+4.00% p.a.

Aims to provide a return of at least 4.00% per year above inflation

Target return is measured after fees and taxes over rolling 10 year periods. It is not guaranteed.

Return

7.83% p.a.

10-year average return

Return is the average annual return over the period shown, after fees, costs and taxes.

Comparison between return target and return

Select a year to see its figures.

1-year returnAverage returnMoving average return target
1-year return7.86
Average return6.39
Moving average return target7.83

Returns are not guaranteed and past performance is not a reliable indicator of future performance.

Level of investment risk

High Risk

4 to less than 6 estimated negative returns over any 20 year period.

SRM band
6 of 7

Statement of fees and other costs

$389.60 per year

Fees and other costs for a member with a $50,000 balance.

Asset mix

GrowthDefensive
2

LifeStage

Age 51 to 60

Growth focused with increased diversification.

The investment mix maintains a high allocation to growth assets while increasing exposure to defensive assets.

Return target

CPI+3.75% p.a.

Aims to provide a return of at least 3.75% per year above inflation

Target return is measured after fees and taxes over rolling 10 year periods. It is not guaranteed.

Return

6.36% p.a.

10-year average return

Return is the average annual return over the period shown, after fees, costs and taxes.

Comparison between return target and return

Select a year to see its figures.

1-year returnAverage returnMoving average return target
1-year return6.93
Average return5.43
Moving average return target6.36

Returns are not guaranteed and past performance is not a reliable indicator of future performance.

Level of investment risk

High Risk

4 to less than 6 estimated negative returns over any 20 year period.

SRM band
6 of 7

Statement of fees and other costs

$394.60 per year

Fees and other costs for a member with a $50,000 balance.

Asset mix

GrowthDefensive
3

LifeStage

Age 61 to 66

A more balanced investment mix.

The allocation to defensive assets increases while maintaining reasonable exposure to growth assets.

Return target

CPI+3.25% p.a.

Aims to provide a return of at least 3.25% per year above inflation

Target return is measured after fees and taxes over rolling 10 year periods. It is not guaranteed.

Return

4.99% p.a.

10-year average return

Return is the average annual return over the period shown, after fees, costs and taxes.

Comparison between return target and return

Select a year to see its figures.

1-year returnAverage returnMoving average return target
1-year return6.06
Average return4.55
Moving average return target4.99

Returns are not guaranteed and past performance is not a reliable indicator of future performance.

Level of investment risk

High Risk

4 to less than 6 estimated negative returns over any 20 year period.

SRM band
6 of 7

Statement of fees and other costs

$395.10 per year

Fees and other costs for a member with a $50,000 balance.

Asset mix

GrowthDefensive
4

LifeStage

Age 67 and over

Greater balance between growth and defensive assets.

The investment mix has a higher allocation to defensive assets while continuing to maintain exposure to growth assets.

Return target

CPI+3.00% p.a.

Aims to provide a return of at least 3.00% per year above inflation

Target return is measured after fees and taxes over rolling 10 year periods. It is not guaranteed.

Return

3.88% p.a.

10-year average return

Return is the average annual return over the period shown, after fees, costs and taxes.

Comparison between return target and return

Select a year to see its figures.

1-year returnAverage returnMoving average return target
1-year return5.28
Average return3.90
Moving average return target3.88

Returns are not guaranteed and past performance is not a reliable indicator of future performance.

Level of investment risk

Medium to High Risk

3 to less than 4 estimated negative returns over any 20 year period.

SRM band
4 of 7

Statement of fees and other costs

$396.60 per year

Fees and other costs for a member with a $50,000 balance.

Asset mix

GrowthDefensive

*On 14 August 2026, we changed the investment strategy for the MySuper product, introducing four new LifeStage options based on age.
  
Investment returns shown for periods before 14 August 2026 are historical investment returns using data from an equivalent age group under our previous MySuper investment strategy. Each new LifeStage option has been matched to the previous age group that best represents it:  

LifeStage Age 50 and under - Lifecycle Age 35 and under  
LifeStage Age 51 to 60 - Lifecycle Age 52  
LifeStage Age 61 to 66 - Lifecycle Age 61  
LifeStage Age 67 and over - Lifecycle Age 67 

This matching approach was chosen because it's objective, applied consistently across all cohorts, and reflects the group of members who actually transitioned into each new LifeStage option. It also aligns with guidance issued by APRA on how to select a predecessor product when combining performance histories. 

These historical returns do not reflect the performance of the new investment strategy, which started on 14 August 2026. 

Please note that the average return shown for each of the LifeStage options above is a cumulative average over the 10 years to 30 June 2026. This measure may differ from other dashboards and moving averages for other products. Please take this into consideration when using this figure to compare other products. The returns shown here do not take into account a member’s LifeStage asset allocation adjustments through time. 

The Risk Band (SRM Band) is based on regulated Standard Risk Measure guidelines. 

The statement of fees and other costs shows the dollar value of administration fees, investment fees and transaction costs for a representative member. These fees and costs are indicative only and are based on the investment fees and costs and transaction costs for the year ended 30 June 2026, and administration fees and costs as at 14 August 2026. Other fees and costs may apply, including activity fees, insurance fees, buy-sell spreads and advice fees (for personal advice). See the Product Disclosure Statement for more information. 

A representative member is a member who is fully invested in the MySuper LifeStage option and has an account balance of $50,000 throughout that year. 

All information is general in nature and does not take account of your personal objectives, financial situation or needs. Before deciding whether a particular product is right for you, please read and consider the relevant Product Disclosure Statement including any incorporated information, Target Market Determination and Financial Services Guide available at smartmonday.com.au, and consider speaking with a financial adviser. Returns are not guaranteed and past performance is not a reliable indicator of future performance. The Promoter and the Trustee take no responsibility for you acting on the information provided. Any decision that you make is at your own risk.