Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Retail fund brand
Freedom of Choice is an Acclaim-administered super and pension product with managed funds, listed investments and term deposits.
The current disclosure library provides separate application forms for personal super and pension.
Retail fund brand
smartMonday PRIME has an age-based default and a choice menu, plus a pension product. Its MySuper design changed in August 2026.
Employer and personal membership depend on the relevant product and plan.
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 | Freedom of Choice Super | smartMonday |
|---|---|---|
| Membership and access | The current disclosure library provides separate application forms for personal super and pension. Sources1234 | Employer and personal membership depend on the relevant product and plan. Sources123 |
| Accounts and products | Freedom of Choice Personal Super and Pension. Sources1234 | PRIME super and PENSION. Sources123 |
| Investment choices | The menu includes more than 150 managed funds, approved ASX300 shares and ETFs, term deposits and a cash account. Sources1234 | LifeStage MySuper now uses four age bands. Members can also select pre-mixed and sector options. Sources123 |
| Insurance | An insurance guide and occupation-rating forms set out the available cover. Do not assume the terms match Acclaim Core or an employer arrangement. Sources1234 | Insurance is available; advice about a member's smartMonday insurance is included without a separate advice charge. Sources123 |
| Retirement income | A personal pension account is available with separate application and product terms. Sources1234 | A pension account is available under separate disclosure. Sources123 |
| Advice and support | Adviser nomination and advice-fee consent forms are part of the service. Confirm who will make investment decisions and what they will charge. Sources1234 | smartCoach provides account-related advice. Check the scope before seeking broader planning. Sources123 |
| Fee details to check | Use Freedom of Choice's own reference guide and July 2026 updates. Platform, investments, transactions, cash and advice can all contribute to the cost. Sources1234 | From 14 August 2026, the standard annual administration charge fell to $67.60 plus 0.16% of balance, with a $1,000 cap on that percentage component. Investment costs rose for most options; employer terms may differ. Sources123 |
| Comparing investment performance | Evaluate the selected managed funds or the member's complete portfolio; another AMG Super product's return is not a substitute. Sources1234 | Do not compare the new LifeStage strategy as though its allocation has remained unchanged throughout the historical LifeCycle record. Sources123 |
THE SUPERGURU VIEW
May suit a member working with an adviser who needs this menu and has compared its total cost with alternatives.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
Worth comparing for members who prefer an age-based investment strategy or have a negotiated employer plan.
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 Freedom of Choice Super profile · Read the full smartMonday 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.