Superannuation - Sandhurst Trustees
  • Search:  

Bendigo SmartStart

Bendigo SmartStart Super® is a complying superannuation fund that accepts both personal and employer contributions throughout your working life.  It includes a default MySuper investment option, Bendigo MySuper, which has a lifecycle investment strategy consisting of three age-based life stages. Alternatively, you can select from our ready-made diversified investment options, which are managed by reputable investment managers. Click here to view a Quick Facts Guide to Bendigo SmartStart Super.

Australian Business Number (ABN): 57 526 653 420
Unique Superannuation Identifier (USI): STL0050AU

Bendigo SmartStart Super® also offers a comprehensive range of tailored and default insurance cover options. For more information about default and tailored cover please refer to the Bendigo SmartStart Super Insurance guide.

Heron Quality Star Rating 2019   Heron MySuper 2019

If you are an employer you can establish your own employer plan in Bendigo SmartStart Super. Bendigo SmartStart Super is a complying fund that is MySuper authorised, which means employers can nominate it as their chosen or default fund. Establishing your own employer plan in Bendigo SmartStart Super is easy. For further information please refer to the Employer Guide

We also provide the Bendigo Superannuation Contribution Service, an electronic super contribution management and clearing house service available to all participating employers registered with Bendigo SmartStart Super. It is designed to save employers time and simplify their administration. For further information please refer to the Product Disclosure Statement or contact the Transact Helpdesk on 1800 001 067 or email

Bendigo SmartStart Pension is an account-based pension which aims to provide you with a flexible and potentially tax effective income stream in your retirement or as you transition into retirement.

Click here to view a Quick Facts Guide to Bendigo SmartStart Pension.

Bendigo SmartStart may be suitable if you would like:

  • Lower costs for your super or pension account
  • A super fund that offers default or tailored insurance cover options
  • Ready made diversified funds to invest in
  • You want a personal or employer-sponsored super plan or both
  • Online access to your account

Bendigo SmartStart Overview1

Minimum investment

  • Bendigo SmartStart Super - no minimum investment amount
  • Bendigo SmartStart Pension - $10,000 minimum investment amount


An annual administration fee of $98 plus investment costs. A 0.20% p.a. administration fee is also charged to Bendigo SmartStart Pension accounts.

Investment options

11 ready-made diversified funds, access to an income fund, Sandhurst Strategic Income Fund and a Cash Account, plus

  • Bendigo SmartStart Super also provides access to Bendigo MySuper, a lifecycle investment strategy

Ability to receive contributions and rollovers

  • Bendigo SmartStart Super – accepts the following contribution types: superannuation guarantee, salary sacrifice, self-employed, government low income, government co-contributions, personal and spouse as well as downsizer and first home super saver scheme contributions.
  • Bendigo SmartStart Pension – Pension can be established with a one off personal contribution or a rollover from a superannuation fund. Additional contributions cannot be made once pension payments have commenced.

Account-based pension

Bendigo SmartStart Pension– offers you the choice of a standard pension and a transition to retirement pension.  It also offers you flexibility to choose your pension payment amount and payment frequency (subject to Government restrictions).

Death and total and permanent disablement insurance
(Insurance cover is not available in the pension product)

A comprehensive range of tailored and default insurance cover options is available.

Income protection insurance
(Insurance cover is not available in the pension product)

You can choose a 30, 60 or 90 day waiting period with a two or five year benefit period or benefits up to age 65.

1 You should read the relevant Product Disclosure Statement for detailed information

Online access to your account

You can view, monitor and amend your account details, and switch selected investments online. Registering for online access is quick and easy all you need is your member number and an email address.  If you need assistance with the registration process you can contact our Client Service Team on 1800 033 426.

A copy of the Bendigo SmartStart Super and Bendigo SmartStart Pension Product Disclosure Statements can be downloaded here.

Return to top