Smartsave
Awards

Winner of MyChoice Silver, Silver, RateCity Gold Awards 2021

YourChoice Pension

Past 5-year return
New

% p.a

Admin fee

$200

Calc fees on 50k

$500

SuperRatings awards
MyChoice SilverSilver
Past 5-year return
New

% p.a

Admin fee

$200

Calc fees on 50k

$500

SuperRatings awards
MyChoice SilverSilver

Pros and Cons

  • Low fees.
  • Member online portal.
  • Adviser online portal.
  • Member online application.
  • FUND.eXchange - a unique unique service offering managed funds through a digital gateway direct to Australia’s leading unit registry provider.

YourChoice Pension, an account-based pension product, was offered through the MAP Master Superannuation Plan Division II and is now a sub-plan of OneSuper (formerly SmartSave ‘Member’s Choice’ Superannuation Master Trust Plan) via a Successor Fund Transfer in December 2020. A minimum initial investment of $20,000 is required to commence a YourChoice Pension, and a Transition to Retirement Pension is also available.Members are offered a comprehensive investment menu, consisting of 9 pooled investment strategies and a range of Super Wrap investment options which include the Cash Hub, Managed Funds, Managed Account Model Portfolios, ASX Listed Securities and Term Deposits. With limited performance history available for this product, the Passive Balanced option outperformed the relevant SuperRatings Index over the year to 30 June 2020, although underperformance over 3 years remains evident.Fees associated with this product are lower than the industry average across all account balances assessed. Members can make investment switches at no cost, although a buy/sell spread may apply.YourChoice Pension provides reasonable flexibility, with members having the ability to receive payments monthly, quarterly, bi-annually or annually, on a date set by the fund. Beneficiary options include non-binding and binding nominations, as well as reversionary pensions. Members have access to their accounts online via the Secure Online Portal, where they can view account balances and perform transactions such as switching investment options and varying pension payments.

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Smartsave Fees and Features

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    Fund fees vs. Industry average
    THIS FUND
    INDUSTRY AVERAGE
    Fund past-5-year return vs. Industry average
    THIS FUND
    INDUSTRY AVERAGE
    Investment allocation
    INTERNATIONAL SHARES
    AUSTRALIAN SHARES
    PROPERTY
    ALTERNATIVES
    FIXED INTEREST
    CASH
    OTHER
    Investment option performance
    BALANCED
    CONSERVATIVE BALANCE
    + View additional option performance information