For information on our Investment Menu changes  Find out more here.


  • Review your investment strategy and options
  • Understand contributions and strategies relevant to you, to grow your balance
  • Know how and when you can access your super
  • Understand insurance options, and how insurance changes as you age
  • Project your financial readiness for retirement (sometimes this is referred to as retirement adequacy)
  • Understand how a smartMonday PENSION works
  • Understand how the Age Pension works

  • Speak in jargon (if they accidentally do, or you don’t understand something, it is always OK to ask)
  • Assume you understand a lot about superannuation or pension
  • Judge your financial decisions or situation
  • Charge you any fees without clearly explaining why they apply
  • Sell you something - the team is here to help, not to convince you to buy anything!
  • when you’ll stop working
  • if you’ll work reduced hours in retirement
  • what plans you have during retirement
  • your current income and expenses (it doesn’t have to be exact)