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

What is the low-income super tax offset (LISTO)?

The LISTO is a government payment to help anyone who earns $37,000 or less a year save for retirement. This is usually paid directly into your super fund. If eligible, you’ll get 15% of your concessional (before tax) super contributions. The maximum payment you can receive for a financial year is $500, and the minimum is $10. Best of all, you don't need to do anything to receive a LISTO except complete your tax return and make sure we have your tax file number (TFN) – because without your TFN we can’t accept a LISTO payment.