Need advice?

Members can access free general advice by contacting SuperPhone 1300 360 373. However, our service representatives are not licensed to provide personalised advice.

If you would like additional or personalised financial advice, you are free to choose any financial planner you want.

The APSS Trustee has a relationship with State Super Financial Services Australia Limited, trading as ‘StatePlus’ (StatePlus), who are a licensed financial planning group (ABN 86 003 742 756, AFS Licence No. 238430). General advice is available over the phone or at a face to face appointment with a StatePlus financial planner at a location convenient to you. These services are particularly valuable for those considering retirement, resignation or redundancy. This initial consultation is provided without cost or obligation by StatePlus. To access these services, call 1800 620 305. If using this service, remember that StatePlus is responsible for the advice given to APSS members under this arrangement.


Tax and super

The Government provides a range of tax concessions and incentives through superannuation. There are two things every super fund member can do to ensure they don’t pay any more super tax than they need to:

  • Provide a Tax File Number. Login and check your membership details to see if your TFN is ‘supplied’ or just call SuperPhone 1300 360 373. If you haven’t provided it then complete and return the Provide your Tax File Number form.
  • Keep an eye on your contributions and account balances. Make sure you don’t breach any limits or caps that trigger higher rates of tax. Refer to our How super is taxed in 2017-18 fact sheet details.

Of course, the tax system is complex and often changing. Different rules apply at different stages of your life, and depend on how much you earn, how much super you have already saved and other personal circumstances.

You should therefore read the relevant tax section in the Product Disclosure Statement for your membership category, and also consider seeking professional taxation advice.