New investment options. Same commitment.

No, definitely not. Future Super isn't going anywhere, we're here for the long haul.

What is changing is the investment structure, and it's changing for good reasons: to reduce total admin costs for members and offer more options and services.

What this means for you:

• Lower fees overall
• Access to financial advice and coaching through your super
• A wider range of investment options to choose from

What's not changing:

• Our mission and values, we're still committed to climate action and building a future worth retiring into
• The screening approach, fossil fuel companies are still not part of the portfolio, and never will be.

We mapped members from closed options to new options based on two key factors: target returns and risk profile (measured by the growth/defensive asset allocation split).

Generally speaking:

• Higher growth allocation = higher risk appetite, often suitable for younger members with longer investment timeframes
• Higher defensive allocation = lower risk appetite, often suitable for members closer to retirement

The table below shows how we matched closed options to new options based on these factors.

Important: This is a general approach to risk assessment. Your personal circumstances matter most. If you're unsure whether your new option suits you, we recommend seeking professional financial advice.

Behind the scenes, your super is invested through a “fund” or a “trust” - it’s the investment structure that allows super funds to invest on behalf of members at the same time, and across multiple investment options.

These underlying investment structures are highly regulated – because your retirement savings deserve to be kept safe! They are also overseen by a trustee, the entity responsible for making sure the fund complies with all regulations and behaves in the best interests of members.

The Smart Future Trust is the name of the investment structure the investment manager will now be investing through. In the past, the investment manager invested through the Future Super Fund.

The new investment options launched in May 2025, so they don't have a long performance history yet. This is normal for newly established options.

Investment returns naturally fluctuate, especially in the early stages. A few months of data won't tell you how an option will perform over the years or decades your super is invested. Even with established options, what happened in the past doesn't guarantee future returns. Super is a long-term investment, so most members will invest for many years. The investment approach, asset allocation, and screening criteria are what drive long-term outcomes. These fundamentals remain strong and aligned with our mission to build a future worth retiring into.

As performance history builds, we'll continue sharing regular updates on how each option is tracking. You can always view the latest returns in your member portal and in our annual reports.

Still concerned? If you're unsure whether your investment option suits your situation, consider speaking with a financial adviser or chat with a coach as part of your Future Super membership.

From July 2025 you will see your super balance recorded with the ATO and the name of your super fund. These details will be updated after 30 June 2025 when the annual review is finalised and we’re able to report account balances to the ATO. They may not be instantly updated on 1 July, but by the end of mid-July you should see accurate details with the ATO. In the meantime, you’ll be able to see your balance in your member portal and the Future Super app.

When we transferred from the Future Super Fund to the Smart Future Trust, we had to report a closure of each account within the Future Super Fund to the ATO. You’ll notice the closure date for your account listed as being with The Trustee for the Future Super Fund is 23 May 2025, the date of the transfer, and a new account will be shown with Smart Future Trust. However, this new account will initially show a $0 balance until July 2025. This delay in showing the balance in the new accounts, with Smart Future Trust, is part of the process and is expected.

Please reach out to our team with any concerns or questions at info@futuresuper.com.au or call us on 1300 658 422.

Don't worry, your Future Super account is still active. What you're seeing is part of the technical process behind the investment structure update.

When we transferred from the Future Super Fund to the Smart Future Trust on 23 May 2025, the Australian Taxation Office (ATO) required us to report the closure of your old account in the Future Super Fund and the opening of a new account in the Smart Future Trust.

What you'll see in myGov:

Closed account: "The Trustee for the Future Super Fund" with a closure date of 23 May 2025

Active account: "Smart Future Trust" (this is your current, active super account)

Your super is safe. This is purely an administrative change. Your balance, investment option, and insurance transferred across automatically. Nothing has been lost, it's all in your new Smart Future Trust account.

Still concerned? If you can't find your active account in myGov or have any questions, please reach out at info@futuresuper.com.au or call 1300 658 422.