As we send out information about your account, you may receive a text from us in the evening or on weekends, asking you to check your member portal. This is genuine, but please stay alert to scams: never share your password or personal details via text, and always log in directly through our website or app.

Important change to the Trustee of Smart Future Trust. From 1 Nov 2026, Stewarda Pty Ltd will become the Trustee. These changes won't affect your account or benefits. Learn more

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FAQs
Is superannuation taxed?

Is superannuation taxed?

Yes, your super is taxed, but how it’s taxed depends on the type of contribution and/or withdrawal.

Any before-tax contributions, for example your employer contributions or salary sacrifice contributions, are generally taxed at 15%. Any earnings you generate on your super is generally taxed at 15%.

If you’re over 60 and are looking to withdraw your super, it won’t be taxed. If you withdraw any of your super before your 60, you’ll generally be taxed between 17% and 22%.