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Enhancing the path to a comfortable retirement

Published 2 March 2021

New changes coming to ANZ Smart Choice Super

Since it launched back in 2013, ANZ Smart Choice Super has always been about one thing – helping our members grow their super to retire comfortably. It’s a simple goal that guides all we do, including how we invest your retirement savings and the value we provide.

The Smart Choice approach has been recognised by independent surveys and consultants as a low cost, innovative product, and we’re committed to making improvements.

Each year we listen to your feedback and review Smart Choice to see how we can deliver more to you. To commence the year, we’re pleased to share some exciting new changes that are happening in investments and member services.

The large majority of ANZ Smart Choice members are automatically invested in the Lifestage investment options which are based on your decade of birth. This means we do all of the work by automatically striking an appropriate balance between growing and protecting your super based on your age. We’ll be making some adjustments to the Lifestage investment options, including increasing the amount of growth assets, like shares. We’ll also be adding to our investment mix with assets that you can’t access as an individual investor, so that you’re even better positioned to achieve a comfortable retirement.

Further, developments to come will provide you with an enhanced member experience designed to help you keep better track of your retirement savings online and empower you with financial education to support your financial wellbeing.

More information about these changes has been sent to you, or if you’ve recently joined, you’ll receive it soon. If you have any questions in the meantime, please:

Talk to us about superannuation

13 12 87

Mon-Fri 8am to 7pm (AEST) 

Smart Choice Super performance


ANZ Smart Choice Super report: December 2020

The December 2020 quarter performed positively on the back of a brightening outlook for the global economy and the start of COVID-19 vaccine rollout.


ANZ Smart Choice Super report: September 2020

The September 2020 quarter performed positively on the back of more encouraging COVID-19 vaccine trial news and signs of global economic recovery. See the results.


ANZ Smart Choice Super report: June 2020

Markets bounced back during April and May as economies started to reopen, delivering positive results for the June 2020 quarter. See the results.

“ANZ Smart Choice Super” is a suite of products consisting of ANZ Smart Choice Super and Pension (PDF 416kB)ANZ Smart Choice Super for employers and their employees (PDF 594kb) and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF 441kb). The ANZ Smart Choice Super and Pension product is distributed by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522).  We recommend that you read the ANZ Financial Services Guide (PDF 479kB), before deciding whether to acquire or continue to hold this product. View the ANZ Smart Choice Super and Pension Target Market Determination (PDF 252kB). ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees are MySuper compliant products issued pursuant to the latest PDS available at View the ANZ Smart Choice Super for employer and their employees Target Market Determination (PDF 464 kB). ANZ Smart Choice Super is part of the Retirement Portfolio Service (the Fund) (ABN 61 808 189 263) and is issued by OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346, RSE L0000673) (OPC), the trustee of the Fund. OPC is a member of the Insignia Financial Group of companies, comprising Insignia Financial Ltd (formerly IOOF Holdings Ltd) ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group). The Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522) brand is a trademark of ANZ and is used by OPC under licence from ANZ. ANZ and the Insignia Financial Group of companies (including OPC) are not related bodies corporate. ANZ does not stand behind or guarantee these products.

Before re-directing your super or moving your money into ANZ Smart Choice Super, you will need to consider whether there are any adverse consequences for you, including loss of benefits (e.g. insurance cover), investment options and performance, functionality, increase in investment risks and where your future employer contributions will be paid. 

This information is of a general nature and has been prepared without taking account of your personal needs, financial situation or objectives. Before acting on this information, you should consider whether the information is appropriate for you having regard to your personal needs, financial circumstances or objectives.

All fees are subject to change. Other key features are relevant when choosing a super fund, including performance.

Taxation law is complex and this information has been prepared as a guide only and does not represent taxation advice. Please see your tax adviser for independent taxation advice. The information on insurance cover is a summary only of the terms and conditions applying to the insurance cover. To the extent there is any inconsistency with the terms of the insurance cover provided by the insurer, the terms of the insurance policy will prevail.

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Fee Analysis: Research conducted by SuperRatings Pty Ltd, holder of Australian Financial Services Licence No. 311880 at the request of OPC. For a copy of the latest SuperRatings research, click here (PDF 146kB) or call 13 12 87.