smartMonday’s MySuper product is called smartMonday Lifecycle. This is our default investment option for accumulation superannuation members that don’t want to actively monitor their investment. This means we invest for you through our set and forget MySuper strategy, which automatically reduces growth assets and increases defensive assets as you age.
smartMonday Lifecycle uses a lifecycle investment strategy which automatically adjusts the asset allocation as you move through your 'working week'. From your Monday through to Wednesday lunch time (up to age 35) we invest 90% in growth-style investments (like shares and property) and only 10% in defensive investments (like cash and bonds). As you move through Wednesday afternoon and Friday (age 35 to 75) into your long weekend, we gradually decrease the percentage of growth-style investments and increase the percentage of defensive investments.
As you can see from the chart, this strategy gently reduces the risk level of your investment portfolio – gliding into your weekend.
See how our Lifecycle investment strategy works.
smartMonday acknowledges the Traditional Custodians of the lands on which we operate and pay our respects to Elders, past, present and emerging. We recognise the enduring relationship Aboriginal and Torres Strait Islander peoples have with Country and that sovereignty was never ceded. We stand for a future that promotes justice for Aboriginal and Torres Strait Islander peoples and profoundly respects and acknowledges their respective perspectives, culture, language and history.
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The information on this website is general in nature and does not take account of your personal financial objectives, situation or needs. Before deciding whether a particular product is appropriate for you, please read and consider the relevant Product Disclosure Statement, Target Market Determination and Financial Services Guide which is available at smartmonday.com.au/documents or by calling us. Contact us about the intra-fund advice services you may be able to access through your membership. Any intra-fund advice is provided by or on behalf of smartMonday Solutions Limited. Past performance is not a reliable indicator of future performance. The content of this website is not intended to represent or be a substitute for specific taxation or legal advice and should not be relied on as such. You should obtain advice from a registered tax agent or legal practitioner. Any taxation, legal and other matters referred to on this website are based on smartMonday and the Trustee’s interpretation of existing laws and should not be relied upon in place of appropriate professional advice. Those laws may change from time to time.
smartMonday is a registered trading name of smartMonday Solutions Limited ABN 48 002 288 646 AFSL 236667, the sponsor of the Smart Future Trust ABN 68 964 712 340 (the Fund). The trustee of the Fund and issuer of the information on this website is Equity Trustees Superannuation Limited ABN 50 055 641 757 AFSL 229757 RSE Licence L0001458. smartMonday products are part of the Fund.
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This website, the information and materials on the website, and the software made available on the website, are provided 'as is' without any representation or warranty, express or implied, of any kind. To the maximum extent possible, smartMonday and/or the trustee do not warrant or guarantee the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed through the website. You acknowledge that you are responsible for assessing the accuracy and completeness of content on this website, and reliance on any opinion, advice, statement, memorandum or information shall be at your own risk. In no event shall smartMonday and/or the trustee be liable to any website user or any other entity for any damages whatsoever, related to the inability to access or use the material or functions of this website.
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