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 Virgin Money Super
Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Virgin Money Super
Retail fund brand
Virgin Money Super is a Mercer Super Trust product with an age-based LifeStage Tracker default and index-oriented choices.
Membership
Public membership under the Virgin Money product rules.
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 | Virgin Money Super |
|---|---|---|
| Membership and access | Employer and personal membership depend on the relevant product and plan. Sources123 | Public membership under the Virgin Money product rules. Sources1234 |
| Accounts and products | PRIME super and PENSION. Sources123 | Virgin Money Super. Sources1234 |
| Investment choices | LifeStage MySuper now uses four age bands. Members can also select pre-mixed and sector options. Sources123 | LifeStage Tracker changes the asset mix with age. Choice investments include diversified and sector index strategies and Cash. Sources1234 |
| Insurance | Insurance is available; advice about a member's smartMonday insurance is included without a separate advice charge. Sources123 | Automatic and tailored cover are available subject to eligibility. Premiums and a separate insurance cost-recovery charge apply. Sources1234 |
| Retirement income | A pension account is available under separate disclosure. Sources123 | The reviewed super pages do not establish a dedicated Virgin Money pension account; check the intended retirement-income pathway. Sources1234 |
| Advice and support | smartCoach provides account-related advice. Check the scope before seeking broader planning. Sources123 | Member support can explain the product. Ask which personal advice services are available and what they cost. 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 | The current fee page separates a $58 annual fixed administration fee, a balance-based administration charge, administration costs, option fees and transaction costs. A low investment fee is not a low total fee by itself. Sources1234 |
| 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 correct LifeStage cohort or selected option, including all relevant costs. 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 Virgin Money Super
Worth comparing for someone seeking that default structure or who can use the product's specific benefits.
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 Virgin Money 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 Virgin Money Super profile · Choose another comparison
Sources for smartMonday
Checked 2026-09-11. Documents and product terms can change after this date.
Sources for Virgin Money Super
Checked 2026-09-11. Documents and product terms can change after this date.