Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Retail fund brand
Acclaim offers a direct-investment super account and a separate Core product built around managed investment options.
Applications are available for current Acclaim products. AMG Personal Super is a separate legacy product closed to new members.
Retail fund
Bendigo SmartStart Super continues under Betashares ownership. Existing product terms should be assessed separately from any proposed future Betashares super product.
Check current availability for the specific product and option. Certain failed investment options are closed to new members.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
The costs and returns belong to the selected product, option or lifecycle stage.
Source: APRA Comprehensive Product Performance Package 2026, published 28 August 2026. Fees reflect the reporting year to 30 June 2026, are net of tax, use standard arrangements and exclude member-activity fees. Dollar figures are rounded. They are not a current quote. Check the latest PDS for changes, insurance premiums and any separately charged advice.
Returns are annualised historical results. Different return bases, risk levels and periods cannot be treated as interchangeable. MySuper net returns use a $50,000 representative balance even when you change the fee balance. A lifecycle stage return does not track a person moving between stages. Missing figures mean not reported, not zero. Past returns do not predict future returns. Read our method and APRA's definitions.
| What to compare | Acclaim Super | Bendigo SmartStart Super |
|---|---|---|
| Membership and access | Applications are available for current Acclaim products. AMG Personal Super is a separate legacy product closed to new members. Sources1234 | Check current availability for the specific product and option. Certain failed investment options are closed to new members. Sources123 |
| Accounts and products | Acclaim Super and Pension; Acclaim Core Super and Pension. Sources1234 | Bendigo SmartStart Super and SmartStart Pension. Sources123 |
| Investment choices | Acclaim Super supports listed securities and term deposits, with individual share-trading arrangements. Core offers diversified and sector index managed funds. Sources1234 | MySuper is an age-based strategy using Growth Index, Balanced Index and Conservative Index at different ages, with a separate choice menu. Sources123 |
| Insurance | Insurance applications and employer-plan guides are available. Occupation ratings and the precise product determine the relevant terms. Sources1234 | Insurance is available under the SmartStart policy and guide. Sources123 |
| Retirement income | Both product families have pension arrangements with their own disclosure. Sources1234 | SmartStart Pension has its own product documentation. Sources123 |
| Advice and support | The service is built around adviser-managed portfolios and reporting. Establish the cost of any advice arrangement separately. Sources1234 | Use the current support and advice documents to establish services and charges. Sources123 |
| Fee details to check | Use the PDS for either Acclaim or Core and read the July 2026 product and administrator updates. Direct share costs differ from Core's managed-option costs. Sources1234 | Use the current PDS and updates; ownership change alone does not establish a fee reduction. Sources123 |
| Comparing investment performance | Core options have their own investment histories. A direct-investment Acclaim account has no single return that represents all members. Sources1234 | The current site reports that Bendigo Balanced Wholesale and Bendigo High Growth Index did not pass the 2026 APRA performance test. This finding is option-specific, not a claim about every SmartStart option. Sources123 |
THE SUPERGURU VIEW
Acclaim may suit an advised member with a defined direct-investment strategy; Core is a different proposition for someone choosing managed options.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
Most useful for an existing member reviewing their exact option and current alternatives.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
Use the membership rules to establish which accounts are available to you. Then compare the total price of the investment option and cover you need. A lower fee or higher historical return alone does not tell you which fund is suitable.
Ask both funds to confirm insurance acceptance, exclusions, waiting periods and whether cover would change when you leave your employer. Obtain advice before giving up a defined benefit or an insurance policy you may not be able to replace. ASIC Moneysmart explains the comparison checks.
Read the full Acclaim Super profile · Read the full Bendigo SmartStart Super profile · Choose another comparison
Checked 2026-09-11. Documents and product terms can change after this date.
Checked 2026-09-11. Documents and product terms can change after this date.