smartMonday
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.
Membership
Employer and personal membership depend on the relevant product and plan.
smartMonday vs Spaceship Super
Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Spaceship Super
Retail fund brand
Spaceship Super is an app-based super product with several investment options. It is separate from the Spaceship Voyager investment portfolios outside super.
Membership
Public joining is available under the super PDS.
Compare fees and investment returns
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
Choose an investment option to see the figures
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.
How the products differ
| What to compare | smartMonday | Spaceship Super |
|---|---|---|
| Membership and access | Employer and personal membership depend on the relevant product and plan. Sources123 | Public joining is available under the super PDS. Sources123 |
| Accounts and products | PRIME super and PENSION. Sources123 | Spaceship Super accumulation. Sources123 |
| Investment choices | LifeStage MySuper now uses four age bands. Members can also select pre-mixed and sector options. Sources123 | Four current options are GrowthX, Global Index, Balanced and Moderate. The notice dated 5 June 2026 changes three options from 7 July 2026; Global Index is unchanged. Sources123 |
| Insurance | Insurance is available; advice about a member's smartMonday insurance is included without a separate advice charge. Sources123 | Insurance costs depend on factors including age, cover, sex at birth and occupation rating. Sources123 |
| Retirement income | A pension account is available under separate disclosure. Sources123 | The reviewed product pages do not establish a dedicated pension account. Confirm the retirement-income pathway. Sources123 |
| Advice and support | smartCoach provides account-related advice. Check the scope before seeking broader planning. Sources123 | The app and support team provide account information. Confirm any personal advice arrangement separately. Sources123 |
| Fee details to check | 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 | Use the current super fee table and the notice dated 5 June 2026, effective 7 July 2026. Voyager pricing applies to a different product. Sources123 |
| Comparing investment performance | Do not compare the new LifeStage strategy as though its allocation has remained unchanged throughout the historical LifeCycle record. Sources123 | Compare the selected super option over matching dates. Voyager's performance is not Spaceship Super performance. Sources123 |
THE SUPERGURU VIEW
Our take on smartMonday
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.
THE SUPERGURU VIEW
Our take on Spaceship Super
Relevant for people who want a digital service and are comfortable assessing its investment strategy and costs.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
Before choosing between smartMonday and Spaceship Super
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 smartMonday profile · Read the full Spaceship Super profile · Choose another comparison
Sources for smartMonday
Checked 2026-09-11. Documents and product terms can change after this date.
Sources for Spaceship Super
Checked 2026-09-11. Documents and product terms can change after this date.