smartMonday (Smart Future Trust)
smartMonday PRIME - MySuper
To 30 June 2026, smartMonday PRIME - MySuper returned 8.19% a year over 10 years to a member with $50,000, after fees and taxes, against a median of 8.03% across MySuper products: 19th highest of 45. It charged $355 a year in total fees on a $50,000 balance (median $410), 12th lowest of 50, and passed APRA's 2026 performance test.
To 30 June 2026, for a $50,000 member. MySuper median 8.03%.
- Fees on $50,000
- $355median $410
- Members' accounts
- 32,000
- Assets
- $3.4 billion
- Growth assets
- 88%
Returns a year, against the MySuper median
After fees and tax, for a $50,000 member, to 30 June 2026, for its smartMonday Lifecycle Under 35 stage.
- 3 years10.23%9.93%
- 5 years6.10%6.90%
- 7 years6.94%7.42%
- 10 years8.19%8.03%
Fees at each balance, against the median
Total fees and costs a year, as a share of the balance and in dollars, for the same stage.
- $10,0001.20% $1201.23% $123
- $25,0000.83% $2080.91% $228
- $50,0000.71% $3550.82% $410
- $100,0000.65% $6500.77% $770
- $250,0000.61% $1,5250.75% $1,875
What a $50,000 member earned, after fees and tax
For its smartMonday Lifecycle Under 35 stage, 88% in growth assets, the stage with the most growth assets. Every stage is listed below.
| A year over | This product | MySuper median | Difference | Against its benchmark |
|---|---|---|---|---|
| 3 years | 10.23% | 9.93% | up 0.30 | down 0.59 |
| 5 years | 6.10% | 6.90% | down 0.80 | down 0.01 |
| 7 years | 6.94% | 7.42% | down 0.48 | down 0.13 |
| 10 years | 8.19% | 8.03% | up 0.16 | up 0.01 |
Differences are in percentage points a year. "Against its benchmark" compares the return before administration fees with APRA's benchmark portfolio built from this product's own mix of assets: above zero means its investment choices added value.
What it charges at five balances
| Balance | Administration | Total fees and costs | MySuper median total |
|---|---|---|---|
| $10,000 | $860.86% | $1201.20% | $123 |
| $25,000 | $1230.49% | $2080.83% | $228 |
| $50,000 | $1850.37% | $3550.71% | $410 |
| $100,000 | $3100.31% | $6500.65% | $770 |
| $250,000 | $6750.27% | $1,5250.61% | $1,875 |
A year, as APRA calculated them for 2026. Total fees and costs add investment and transaction costs to administration; insurance premiums are not included. Lifecycle fees are for the stage shown above.
smartMonday PRIME - MySuper passed in 2026, 2025 and 2024
- 2026Passed
- 2025Passed
- 2024Passed
Its 2026 test measure, among all 49 MySuper products measured
The further right, the more a product beat the benchmark built from its own investments. Hover or tap a dot for its name.
Met APRA's benchmark. Its 2026 test measure was -0.12% a year over 10 years: its return against APRA's benchmark, adjusted for how its administration fees compare. -0.50% or lower fails.
Earlier years match on fund and product name, so a product that has been renamed shows no earlier result. Every 2026 result.
Members move through these 41 stages as they age
| Stage | Growth assets | 3 yrs | 5 yrs | 10 yrs | Fees on $50k |
|---|---|---|---|---|---|
| smartMonday Lifecycle Under 35Shown above | 88% | 10.23% | 6.10% | 8.19% | $355 |
| smartMonday Lifecycle 36 | 88% | 10.22% | 6.09% | 8.18% | $355 |
| smartMonday Lifecycle 37 | 87% | 10.17% | 6.05% | 8.15% | $355 |
| smartMonday Lifecycle 38 | 87% | 10.11% | 6.01% | 8.11% | $355 |
| smartMonday Lifecycle 39 | 86% | 10.05% | 5.96% | 8.06% | $355 |
| smartMonday Lifecycle 40 | 86% | 10.00% | 5.91% | 8.02% | $355 |
| smartMonday Lifecycle 41 | 85% | 9.94% | 5.86% | 7.97% | $355 |
| smartMonday Lifecycle 42 | 84% | 9.87% | 5.80% | 7.92% | $360 |
| smartMonday Lifecycle 43 | 84% | 9.81% | 5.75% | 7.79% | $360 |
| smartMonday Lifecycle 44 | 83% | 9.75% | 5.70% | 7.65% | $360 |
| smartMonday Lifecycle 45 | 83% | 9.68% | 5.65% | 7.51% | $360 |
| smartMonday Lifecycle 46 | 82% | 9.61% | 5.59% | 7.37% | $360 |
| smartMonday Lifecycle 47 | 81% | 9.55% | 5.53% | 7.23% | $360 |
| smartMonday Lifecycle 48 | 81% | 9.47% | 5.47% | 7.09% | $360 |
| smartMonday Lifecycle 49 | 80% | 9.40% | 5.41% | 6.94% | $360 |
| smartMonday Lifecycle 50 | 79% | 9.32% | 5.34% | 6.79% | $360 |
| smartMonday Lifecycle 51 | 78% | 9.25% | 5.28% | 6.64% | $360 |
| smartMonday Lifecycle 52 | 78% | 9.16% | 5.21% | 6.48% | $360 |
| smartMonday Lifecycle 53 | 77% | 9.07% | 5.14% | 6.33% | $360 |
| smartMonday Lifecycle 54 | 76% | 8.99% | 5.06% | 6.17% | $360 |
| smartMonday Lifecycle 55 | 75% | 8.89% | 4.98% | 6.01% | $365 |
| smartMonday Lifecycle 56 | 74% | 8.79% | 4.89% | 5.84% | $365 |
| smartMonday Lifecycle 57 | 73% | 8.68% | 4.80% | 5.67% | $365 |
| smartMonday Lifecycle 58 | 72% | 8.57% | 4.71% | 5.49% | $365 |
| smartMonday Lifecycle 59 | 71% | 8.45% | 4.60% | 5.30% | $365 |
| smartMonday Lifecycle 60 | 69% | 8.31% | 4.49% | 5.11% | $365 |
| smartMonday Lifecycle 61 | 68% | 8.17% | 4.38% | 4.92% | $365 |
| smartMonday Lifecycle 62 | 66% | 8.02% | 4.25% | 4.71% | $365 |
| smartMonday Lifecycle 63 | 65% | 7.85% | 4.11% | 4.48% | $370 |
| smartMonday Lifecycle 64 | 63% | 7.66% | 3.94% | 4.24% | $370 |
| smartMonday Lifecycle 65 | 61% | 7.48% | 3.79% | 4.01% | $370 |
| smartMonday Lifecycle 66 | 61% | 7.39% | 3.71% | 3.84% | $370 |
| smartMonday Lifecycle 67 | 60% | 7.33% | 3.66% | 3.70% | $370 |
| smartMonday Lifecycle 68 | 59% | 7.28% | 3.61% | 3.66% | $370 |
| smartMonday Lifecycle 69 | 59% | 7.22% | 3.57% | 3.61% | $370 |
| smartMonday Lifecycle 70 | 58% | 7.17% | 3.52% | 3.57% | $370 |
| smartMonday Lifecycle 71 | 58% | 7.11% | 3.47% | 3.53% | $370 |
| smartMonday Lifecycle 72 | 57% | 7.06% | 3.43% | 3.48% | $370 |
| smartMonday Lifecycle 73 | 57% | 7.00% | 3.38% | 3.44% | $370 |
| smartMonday Lifecycle 74 | 56% | 6.94% | 3.33% | 3.39% | $375 |
| smartMonday Lifecycle Over 75 | 56% | 6.89% | 3.28% | 3.34% | $375 |
Returns a year to 30 June 2026, after fees and taxes, for a $50,000 member, as APRA reports them for each stage.
About this product
- Fund
- Smart Future Trust
- Trustee
- Equity Trustees Superannuation Limited
- Type
- Generic MySuper
- Offer
- Public offer
- APRA's product name
- smartMonday PRIME - MySuper
APRA does not publish fund websites or disclosure documents. Your annual statement and the fund's product disclosure statement have the full fee and insurance details.
Questions about smartMonday PRIME - MySuper
- Did smartMonday PRIME - MySuper pass the 2026 performance test?
- smartMonday PRIME - MySuper passed APRA's 2026 performance test, with a test measure of -0.12% a year against a fail line of -0.50%. Earlier results: 2024 passed, 2025 passed.
- What are smartMonday PRIME - MySuper's fees?
- APRA's 2026 figures put its total fees and costs at $120 a year on $10,000, $208 a year on $25,000, $355 a year on $50,000, $650 a year on $100,000 and $1,525 a year on $250,000. Administration fees are $185 of the $355 on $50,000. Insurance premiums are extra.
- What has smartMonday PRIME - MySuper returned?
- For a member with $50,000, after fees and taxes, to 30 June 2026: 10.23% a year over 3 years, 6.10% a year over 5 years, 6.94% a year over 7 years and 8.19% a year over 10 years, for its smartMonday Lifecycle Under 35 stage. Past returns do not predict future ones.
Source: Australian Prudential Regulation Authority (APRA), Comprehensive Product Performance Package 2026: data to 30 June 2026, published 28 August 2026. Licensed under CC BY 4.0 and normalised by The Finance Algorithm, which shows APRA's figures as percentages and dollars a year. APRA has not reviewed or endorsed this page.
General information only, not financial advice. Past performance is not a reliable indicator of future returns. Check your fund's product disclosure statement and your annual statement before you act, and consider whether advice suits your situation.