Retail fund brand
smartMonday
smartMonday PRIME has an age-based default and a choice menu, plus a pension product. Its MySuper design changed in August 2026.
THE OVERVIEW
About smartMonday
smartMonday is part of Future Group and operates within Smart Future Trust. Employer plans can have different fee arrangements.
Who can join
Employer and personal membership depend on the relevant product and plan.
THE SUPERGURU VIEW
Our take
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 NUMBERS
Fees and investment returns
Use the product, investment option and employer plan on your statement. Lifecycle members need to choose the relevant stage. APRA's investment pathways may include closed options held by existing members.
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.
A CLOSER LOOK
Inside smartMonday
Accounts and products
PRIME super and PENSION.
Investment choices
LifeStage MySuper now uses four age bands. Members can also select pre-mixed and sector options.
Insurance
Insurance is available; advice about a member's smartMonday insurance is included without a separate advice charge.
Retirement income
A pension account is available under separate disclosure.
Advice and support
smartCoach provides account-related advice. Check the scope before seeking broader planning.
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.
Comparing investment performance
Do not compare the new LifeStage strategy as though its allocation has remained unchanged throughout the historical LifeCycle record.
Features worth considering
A default that adjusts with age.
Account and insurance support through smartCoach.
THE LEGAL FUND
Fund size in APRA's annual reporting
Smart Future Trust
At 30 June 2025. These are legal-fund totals, which can include several products and more than one account per person.
APRA annual fund-level statistics, June 2025. These older totals can differ substantially after mergers. Size is not a measure of suitability or investment quality.
Sources for smartMonday
Checked 2026-09-11. Documents and product terms can change after this date.