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smartMonday Lifecycle - MySuper product dashboard

Use this dashboard to compare smartMonday Lifecycle with other MySuper products.

The dashboard has been calculated for a member having an account balance of $50,000.

The return and risk information shown below relate to a specific member age of the smartMonday Lifecycle investment option, selected by moving the age slider left or right.

smartMonday Lifecycle implements a lifecycle investment strategy which automatically adjusts to a more defensive investment mix as the member moves through their 'working week' towards retirement2. This is why the return, return target and investment risk level generally reduces as the age slider is moved to the right. See the PDS and How smartMonday PRIME Works Guide for more information on smartMonday Lifecycle.

Select your age

16

Statement of fees and other costs1

$396 per year

? You may be eligible for reduced fees depending on the size of your employer's super plan.

Return target2

? This MySuper product is intended for members who expect to remain invested until their retirement, and at least a minimum of 5 years.

To provide a return at least 3.2% per year above inflation (after fees and taxes) over rolling 10-year periods.

The return target is a prediction and therefore can’t be guaranteed.

Return1, 2

7.82% p.a.

This is the average annual return from 1 July 2015 to 30 June 2025.

smartMonday Lifecycle commenced on 1 January 2014.

Level of investment risk

? The Standard Risk Measure (SRM) used here is not a complete assessment of risk. For example, while the SRM indicates the likely frequency of negative annual returns (for a 20-year period), it does not indicate the potential size of negative returns.

High

This risk band means we anticipate there will be approximately 4 to less than 6 years of negative annual returns over any 20 year period.

Comparison between return target and return1, 2

Past returns are not a reliable indicator of future returns. Please note that the average return shown above is a cumulative average over the 10 years to 30 June 2025. This measure may differ from other dashboards and moving averages for other products. The average return for the smartMonday Lifecycle product is calculated based on the period from 1 July 2015 to 30 June 2025. Please take this into consideration when using this figure to compare other products. The returns shown here do not take into account the member’s lifecycle asset allocation adjustments through time. The latest investment returns, adjusted for a member’s lifecycle journey, are available at smartmonday.com.au

Footnotes

  1. The fees and costs information shown on this dashboard assumes an account balance of $50,000. The standard fees and costs for the product are:
    • asset administration fees and costs 0.305% p.a.
    • member fee $72 p.a.
    • investment fees and costs range from 0.330% to 0.367% p.a. depending on the proportion you have invested in the High Growth and Defensive portfolios.
    • transaction costs range from 0.007% p.a. to 0.027% p.a. depending on the proportion you have invested in the High Growth and Defensive portfolios.
    Fees and costs are estimates based on the fund's experience for the year ended 30 June 2025.
    Fees and costs may not necessarily be the same in future years. You may also be eligible for a reduced asset administration fees and costs (deducted from your account) depending on the size of your employer's super plan. Other fees and costs may apply including activity fees, advice fees (for personal advice), insurance fees and buy-sell spreads. See the PDS and How smartMonday PRIME Works Guide for important information.
  2. Returns shown on this page may differ from returns shown on other parts of the smartMonday website, as the returns shown here are reflective of a 'representative member' (as defined by APRA) and therefore do not take into account the member's lifecycle asset allocation adjustments through time. The latest investment returns, adjusted for a member's lifecycle journey, are available at smartmonday.com.au. The smartMonday Lifecycle investment option implements a 'lifecycle' investment strategy which automatically adjusts the asset allocation for a member as they move through their working life towards retirement. The youngest members are invested in approximately 90% growth-style investments (like shares and property) and approximately 10% in defensive investments (like cash and bonds). As time progresses the investment mix adjusts gradually, and the percentage of growth-style investments is reduced, and defensive investments are increased.

Disclaimer

The information contained in this dashboard is general in nature and does not take account of your personal financial objectives, situation or needs. Before deciding whether a particular product is right for you, please read and consider the relevant Product Disclosure Statement, Target Market Determination and Financial Services Guide available at smartmonday.com.au, or speak with a financial adviser. Contact us to ask about the intra-fund advice services you may be able to access through your membership. Any intra-fund advice is provided by Future Group Financial Services Pty Ltd. Past performance is not a reliable indicator of future performance. smartMonday and the trustee take no responsibility for you acting on the information provided. Any decision that you make is at your own risk.

Issued by Equity Trustees Superannuation Limited ABN 50 055 641 757, AFSL 229757, RSE Licence L0001458 as trustee of the Smart Future Trust ABN 68 964 712 340, RSE Registration No R1000566 (the Fund). smartMonday is a registered trading name of smartMonday Solutions Pty Ltd (ABN 48 002 288 646). smartMonday products are part of the Fund.

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