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 Superhero Super
Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Superhero Super
Retail fund brand
Superhero Super offers managed investments, thematic choices and direct shares and ETFs within super.
Membership
Public membership under the applicable MySuper or Choice documents.
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.
| Measure | Choose an investment option | Superhero Super MySuper |
|---|---|---|
| Return basis | Choose an option | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | Choose an option | 9.95% |
| 5-year return, per year | Choose an option | 5.96% |
| 7-year return, per year | Choose an option | 6.67% |
| 10-year return, per year | Choose an option | 6.79% |
| APRA strategic growth allocation | Choose an option | 80.50% |
| Reported total fees, net of tax, at $50,000 | Choose an option | $350 a year (0.70%) |
| Administration and advice costs, net of tax (included in total) | Choose an option | $195 a year |
| 2026 performance test | Choose an option | Pass |
| New-member status at reporting date | Check the current product eligibility rules | Check the current product eligibility rules |
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 | Superhero Super |
|---|---|---|
| Membership and access | Employer and personal membership depend on the relevant product and plan. Sources123 | Public membership under the applicable MySuper or Choice documents. Sources1234 |
| Accounts and products | PRIME super and PENSION. Sources123 | Superhero Super Choice and MySuper. Sources1234 |
| Investment choices | LifeStage MySuper now uses four age bands. Members can also select pre-mixed and sector options. Sources123 | Diversified, single-sector, thematic and direct options. At least 25% of a Choice balance must remain across diversified or single-sector options. Sources1234 |
| Insurance | Insurance is available; advice about a member's smartMonday insurance is included without a separate advice charge. Sources123 | MySuper and Choice insurance terms differ. There is no insurance in the retirement division; retaining accumulation cover requires a sufficiently funded super account. Sources1234 |
| Retirement income | A pension account is available under separate disclosure. Sources123 | Retirement and transition-to-retirement accounts are available, with a $20,000 minimum under the PDS dated 2 June 2026. Sources1234 |
| Advice and support | smartCoach provides account-related advice. Check the scope before seeking broader planning. Sources123 | The service supports self-directed investment decisions. Personal advice should be arranged where needed. Sources1234 |
| 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 | Choice administration is $52 a year plus a balance-based fee; investment fees vary and direct investing adds costs. MySuper has its own schedule. Sources1234 |
| Comparing investment performance | Do not compare the new LifeStage strategy as though its allocation has remained unchanged throughout the historical LifeCycle record. Sources123 | The website's investment returns exclude administration fees and costs. Direct portfolios have member-specific returns. 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 Superhero Super
Relevant for an investor who wants more control but accepts the portfolio limits 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 Superhero 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 Superhero Super profile · Choose another comparison
Sources for smartMonday
Checked 2026-09-11. Documents and product terms can change after this date.
Sources for Superhero Super
Checked 2026-09-11. Documents and product terms can change after this date.