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 State Super NSW
Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
State Super NSW
Closed public sector schemes
State Super administers closed NSW public sector schemes with benefits based partly or wholly on scheme formulas.
Membership
These schemes serve existing and deferred members and pensioners. SSS closed in 1985; the Police scheme in 1988; SASS in 1992.
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 | State Super NSW |
|---|---|---|
| Membership and access | Employer and personal membership depend on the relevant product and plan. Sources123 | These schemes serve existing and deferred members and pensioners. SSS closed in 1985; the Police scheme in 1988; SASS in 1992. Sources12 |
| Accounts and products | PRIME super and PENSION. Sources123 | SASS, SSS, Police Superannuation Scheme and SANCS. Scheme-specific identifiers apply. SASS SSS Police Superannuation Scheme SANCS Sources12 |
| Investment choices | LifeStage MySuper now uses four age bands. Members can also select pre-mixed and sector options. Sources123 | This detail has not been verified for this profile. Check the current product documents. |
| Insurance | Insurance is available; advice about a member's smartMonday insurance is included without a separate advice charge. Sources123 | This detail has not been verified for this profile. Check the current product documents. |
| Retirement income | A pension account is available under separate disclosure. Sources123 | Benefits can depend on salary, service and historical membership provisions. Sources12 |
| Advice and support | smartCoach provides account-related advice. Check the scope before seeking broader planning. Sources123 | This detail has not been verified for this profile. Check the current product documents. |
| 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 | This detail has not been verified for this profile. Check the current product documents. |
| Comparing investment performance | Do not compare the new LifeStage strategy as though its allocation has remained unchanged throughout the historical LifeCycle record. Sources123 | Keep SASS, SSS and NSW Police PSS distinguishable in search and comparison labels. Sources12 |
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 State Super NSW
The scheme name and membership history matter more than the State Super umbrella brand. Obtain an estimate under your own rules before comparing a pension or lump sum with another retirement arrangement.
Who this profile is for
- Existing NSW State Super members assessing their entitlements.
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 State Super NSW
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 State Super NSW profile · Choose another comparison
Sources for smartMonday
Checked 2026-09-11. Documents and product terms can change after this date.
Sources for State Super NSW
Checked 2026-09-11. Documents and product terms can change after this date.