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 Super Retirement Fund
Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Super Retirement Fund
Transferred legacy fund
Super Retirement Fund members moved to National Mutual Retirement Fund on 1 July 2026. The older name still appears in statements and historical data.
Membership
This is a former fund arrangement. Continuing contributions now use the receiving fund's details and the correct product USI. Registration of the old entity does not mean members can remain in it.
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 | Super Retirement Fund |
|---|---|---|
| Membership and access | Employer and personal membership depend on the relevant product and plan. Sources123 | This is a former fund arrangement. Continuing contributions now use the receiving fund's details and the correct product USI. Registration of the old entity does not mean members can remain in it. Sources123 |
| Accounts and products | PRIME super and PENSION. Sources123 | Historical Super Retirement Fund accounts. Members transferred to a dedicated section of National Mutual Retirement Fund immediately after 30 June 2026. Personal Super and SuperSelect PensionSelect SuperWise and SuperLink SuperCARE and Retirement Saver Select Personal Super and pension policies Whole-of-life and endowment super policies Sources123 |
| Investment choices | LifeStage MySuper now uses four age bands. Members can also select pre-mixed and sector options. Sources123 | Investment choices and policy benefits were tied to the individual contract. A June 2026 option return remains historical information about that option; it does not describe all transferred accounts. Sources123 |
| Insurance | Insurance is available; advice about a member's smartMonday insurance is included without a separate advice charge. Sources123 | Insurance held in an account at the transfer date moved with it. Members should use the current policy records when checking cover or making a claim. Sources123 |
| Retirement income | A pension account is available under separate disclosure. Sources123 | Existing pension payments continue through the receiving fund under their agreed schedules. The transfer itself is different from voluntarily cashing out or surrendering a policy. Sources123 |
| 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 June 2026 historical data under its original fund identity and link members to National Mutual Retirement Fund for current account context. Do not offer Super Retirement Fund as a fund to join. 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 Super Retirement Fund
The most useful job of this page is to connect an old statement to the current account. Check the receiving fund and product identifiers first. Then assess fees, investments and policy benefits using documents for the transferred section.
Who this profile is for
- Former Super Retirement Fund members checking where their account moved.
- Employers and family members resolving an old fund name or rejected contribution.
What deserves a closer look
- The old fund remained on APRA's September register after member transfer; legal registration and operating account status are different.
- Employers need the new product USI for contributions from 1 July 2026.
- Historical costs should not be treated as a current quote for a transferred policy.
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 Super Retirement Fund
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 Super Retirement Fund profile · Choose another comparison
Sources for smartMonday
Checked 2026-09-11. Documents and product terms can change after this date.
Sources for Super Retirement Fund
Checked 2026-09-11. Documents and product terms can change after this date.