Trustees of superannuation funds have a legal responsibility to make certain documents and disclosures available to members.

Smart Future Trust ABN 68 964 712 340 (the fund). The fund was renamed the Smart Future Trust effective 1 May 2022 (formerly Aon Master Trust).

The trustee of the fund is Equity Trustees Superannuation Limited (ETSL) ABN 50 055 641 757 AFSL 229757 RSE Licence L0001458. More information about the trustee, including board and executive remuneration, and other governance disclosure is available at https://www.eqt.com.au/superannuation/board-and-governance.

The Member Outcomes Statement documents the results of the trustee’s annual assessment of how well the fund’s products provide outcomes for members and promote members’ financial interests.

• Member Outcome Statements

This document seeks to provide members and their beneficiaries with an understanding of the trustee’s strategy for assisting members make retirement decisions.

• Retirement income strategy

• Financial Statements for the year ended 30 June 2023
• Annual Member Meeting (2022) - video, minutes, Q&A
• Annual Report for the year ended 30 June 2022
• Financial Statements for the year ended 30 June 2022

A trust deed is a legal document that sets out the rules for establishing and operating the superannuation fund. It includes such things as the fund’s objectives, who can be a member and whether benefits can be paid as a lump sum or income stream. The trust deed and super laws together form the fund’s governing rules.

• Trust Deed (and amendments)

Products that are part of the fund include:

• smartMonday PRIME 

• smartMonday DIRECT 

• smartMonday PENSION 

• smartMonday Group Insurance

The trustee is responsible for the selection of the fund’s underlying managers, asset allocation and currency management. The trustee appoints specialist investment managers to invest your assets.

The trustee is a related entity of two companies that provide investment management functions and/or issue investment products (in the role of Responsible Entity for those products) that the fund invests in:

• Equity Trustees Limited (ABN 46 004 031 298, ETL) 

• Equity Trustees Wealth Services Limited (ABN 33 006 132 332, ETWSL).

The trustee, ETL, and ETWSL are all subsidiaries of EQT Holdings Limited, a company listed on the Australian Stock Exchange (ASX Code: EQT). The roles played by ETL and ETWSL in certain investments of the fund are as follows:

• EQT Mortgage Income Fund – ETWSL is Responsible Entity, ETL is the investment manager; 

• EQT Cash Management Fund – ETL is the Responsible Entity and investment manager;
  

• ETL is the investment manager of the Australian Equity and Fixed Income mandates.

ETL may also from time to time be the Responsible Entity for other underlying managers of the fund that are not part of EQT Holdings Limited.

Transactions between ETSL in its capacity as trustee and its related companies are conducted on normal commercial terms.

The trustee may outsource certain functions related to the running of the fund to other parties.
Material outsourced relationships are listed here:

• Outsource provider list

PDSs are a summary of the significant information about investing in smartMonday products.
You should consider this information before making a decision about the product.

• Product Disclosure Statements

The TMD seeks to provide consumers, distributors and staff with an understanding of the class of consumers for which a smartMonday product has been designed, having regard to the objectives, financial situation and needs of the target market.

• smartMonday PRIME & smartMonday DIRECT
• smartMonday PENSION
• smartMonday Group Insurance
• smartMonday Retail Insurance
  • AIA Australia Priority Protection
  • AIA Professional Insurance Portfolio
  • MetLife Protect Super
  • Zurich Insurance-only (Life)
  • Zurich Insurance-only (TPD)
  • Zurich Insurance-only (Income Protection)

• Register of Significant Events
• MySuper dashboard
• Portfolio Holdings Reports (What we invest in)