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 SA
Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Super SA
Restricted public sector fund
Super SA provides South Australian public sector schemes with different tax rules, including Triple S and Super SA Select.
Membership
Eligibility depends on SA public sector employment or an eligible existing-member relationship. Some spouses can join Triple S. Limited access to Select continues for qualifying members working outside the SA Government.
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 SA |
|---|---|---|
| Membership and access | Employer and personal membership depend on the relevant product and plan. Sources123 | Eligibility depends on SA public sector employment or an eligible existing-member relationship. Some spouses can join Triple S. Limited access to Select continues for qualifying members working outside the SA Government. Sources1234 |
| Accounts and products | PRIME super and PENSION. Sources123 | Triple S and Super SA Select. Closed defined benefit and retirement products need separate assessments. Triple S Super SA Select Flexible Rollover Product Super SA Income Stream Sources1234 |
| Investment choices | LifeStage MySuper now uses four age bands. Members can also select pre-mixed and sector options. Sources123 | Balanced for Triple S Triple S has nine options, including indexed, diversified and Cash choices, on the current official product page. Select has its own menu. Sources1234 |
| Insurance | Insurance is available; advice about a member's smartMonday insurance is included without a separate advice charge. Sources123 | Triple S provides eligible members with death, TPD and income protection. Select members retain their insurance through Triple S. Sources1234 |
| Retirement income | A pension account is available under separate disclosure. Sources123 | This detail has not been verified for this profile. Check the current product documents. |
| 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 | Separate Triple S from Select and avoid comparing pre-tax and after-tax balances as if they were equivalent. Sources1234 |
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 SA
Tax timing is central to this comparison. Triple S can show a balance that still contains tax payable when money leaves. Compare the spendable retirement outcome, including any rollover tax, alongside fees and investments.
Who might put it on their shortlist
- Eligible SA Government employees choosing between their available schemes.
- Existing members checking how contributions work after leaving the public sector.
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 SA
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 SA profile · Choose another comparison
Sources for smartMonday
Checked 2026-09-11. Documents and product terms can change after this date.
Sources for Super SA
Checked 2026-09-11. Documents and product terms can change after this date.