Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
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.
Closing retail fund product
Hejaz announced in August 2026 that its super and pension product is closing. Rollovers and redemptions are delayed while underlying investment unit prices are finalised.
This profile is for existing members and people researching the former offer. It should not be used as a joining option.
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 | Bendigo SmartStart Super | Hejaz Islamic Super and Pension |
|---|---|---|
| Membership and access | Check current availability for the specific product and option. Certain failed investment options are closed to new members. Sources123 | This profile is for existing members and people researching the former offer. It should not be used as a joining option. Sources12 |
| Accounts and products | Bendigo SmartStart Super and SmartStart Pension. Sources123 | Hejaz Islamic Super and Pension, undergoing closure. Sources12 |
| Investment choices | MySuper is an age-based strategy using Growth Index, Balanced Index and Conservative Index at different ages, with a separate choice menu. Sources123 | The product site describes Growth, Balanced and Conservative portfolios based on Islamic investment principles. These descriptions explain the product; they are not an invitation to invest during closure. Sources12 |
| Insurance | Insurance is available under the SmartStart policy and guide. Sources123 | Existing members should obtain written confirmation of any cover and its treatment during the closure before moving or cancelling another insurance arrangement. Sources12 |
| Retirement income | SmartStart Pension has its own product documentation. Sources123 | The pension product is covered by the same closure and transaction-delay notices. Sources12 |
| Advice and support | Use the current support and advice documents to establish services and charges. Sources123 | Contact the trustee and member service for account-specific closure instructions. Advice may help members compare a replacement fund and the implications for insurance. Sources12 |
| Fee details to check | Use the current PDS and updates; ownership change alone does not establish a fee reduction. Sources123 | Use the account's current statement, PDS and closure notices for charges during the transition. Old marketing fee examples do not explain the final transfer amount. Sources12 |
| Comparing investment performance | 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 | Delayed underlying unit pricing means a displayed balance may not establish the amount ultimately paid or rolled over. Sources12 |
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.
THE SUPERGURU VIEW
An information page for affected members. The immediate task is understanding the closure process and the available 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 Bendigo SmartStart Super profile · Read the full Hejaz Islamic Super and Pension 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.