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Picture Book · Tax in depth

Tax inside super

Story pages

A woman in her mid fifties with short grey hair walking through a hospital garden on her lunch break
Meet Gwen. She's 55 and works in hospital administration.
Rainwater running down a downpipe into a tank beside a shed
Her employer's contributions and salary sacrifice are generally taxed at 15% as they enter her fund. The 2026-27 cap is $32,500.
A fruit tree with a small basket of picked fruit beneath it
Investment earnings in an ordinary super account are taxed at up to 15%.
A sunny orchard with full baskets of fruit under each tree
Once money moves into a retirement-phase pension, its earnings generally aren't taxed.
A garden tap running into a watering can
After 60, withdrawals from a taxed fund generally aren't taxed. From 1 July 2026, extra tax applies to earnings on balances above $3 million. That's law.
A woman in her mid fifties with short grey hair relaxing on a garden bench with a book
Gwen sees why super can be a tax-effective place to save for retirement.

The end

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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

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