What Future Super does

Future Super is an Australian superannuation fund founded in 2014 and operated within the Smart Future Trust as a Certified B Corporation. It serves individual Australian residents seeking retirement savings products whose underlying investments are screened to exclude fossil fuels, weapons manufacturers, gambling companies, tobacco, and uranium, and reallocated toward renewable energy, climate solutions, social infrastructure, and affordable housing. The fund offers five accumulation investment options (Sustainable Moderate, Balanced Growth, Alternatives Growth, Growth, High Growth) and three account-based pension options, with daily unit pricing applied across all options. Distribution is direct-to-consumer via a website, mobile application (iOS and Android), and online member portal, supported by a content-led marketing engine and an emerging employer engagement channel.

Underlying technology is provided by a multi-party operating stack: Equity Trustees Superannuation Limited acts as licensed trustee (RSE Licence L0001458), Future Group Investment Management Pty Ltd manages investments, and Apex Superannuation (Australia) Pty Ltd provides fund administration, member record-keeping, contributions processing, and benefit payments. The member-facing app includes app-based multi-factor authentication (upgraded April 2026), an in-app digital advice tool (Future Ready Check, launched May 2025) that produces a Statement of Advice, and integration with Teladoc Health's 360Health virtual wellbeing platform. Insurance (Death, TPD, Income Protection) is provided on an opt-in basis through MetLife.

Revenue is generated from percentage-based administration and investment management fees charged on member balances, plus fixed fees disclosed in the Product Disclosure Statement — a recurring, AUM-linked model with no enterprise contracts. Membership exceeded 50,000 by February 2026 and the fund holds an AAA Rainmaker Quality Rating and six consecutive years of ProductReview retail super fund awards (2019-2024). The promoter is Future Super Services Pty Ltd, operating under the AFSL of Future Group Financial Services Pty Ltd; the parent is Future Group Australia Holdings Pty Ltd.

Name

Future Super

Legal name

Future Super Services Pty Ltd

Website

https://futuresuper.com.au

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Future Super is an Australian Certified B Corp superannuation fund offering fossil fuel-free, sustainably screened retirement products to individual Australian members, distributed directly via a mobile app and website, with over 50,000 members as of February 2026.

Ownership category

akta.pro rank

Product category

Sustainable Superannuation

NAICS

Pension Funds (525110), Pension Funds (52511), Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Investment Advice (6282), Life Insurance (6311)

akta.pro primary industry

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ)

akta.pro secondary industries

Digital Retirement Platforms (IRA/401(k), Pension & Decumulation) (FSAGAEAF), Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Sustainable superannuation
• Fossil fuel free retirement
• Ethical investment options
• Account based pensions
• ESG retirement savings

Headquarters

HQ city

Canberra

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Superannuation administration and investment fees: Future Super generates revenue through administration fees and investment management fees charged to members' superannuation balances. The fund is a not-for-profit superannuation fund operated within the Smart Future Trust. Fee structures are disclosed in the Product Disclosure Statement (PDS). The trustee is Equity Trustees Superannuation Limited; investment management is provided by Future Group Investment Management Pty Ltd (FGIM); administration is handled by Apex Superannuation (Australia) Pty Ltd.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Future Super is an Australian sustainable superannuation fund that provides individual Australians with retirement savings products invested in climate solutions, renewable energy, and social infrastructure, while screening out fossil fuel, weapons, gambling, tobacco, and uranium companies. Members choose from five super investment options (Sustainable Moderate, Balanced Growth, Alternatives Growth, Growth, High Growth) or three account-based pension options, accessed via the Future Super mobile app and online portal, with integrated digital advice, free coaching, opt-in insurance cover (Death, TPD, Income Protection), and 360Health virtual wellbeing support.

Product overview

Future Super is a Certified B Corp sustainable superannuation fund offering a unified product portfolio centred on ethically-screened superannuation and pension products. The core offering includes five sustainable investment options (Sustainable Moderate, Balanced Growth, Alternatives Growth, Growth, and High Growth) providing fossil fuel-free, screened investments across risk levels. Members access services through the Future Super App and online portal, which includes the Future Ready Check digital advice tool for personalized retirement planning. Insurance offerings cover Death Only, Death & TPD, and Income Protection. Additional member benefits include 360Health virtual wellbeing support and free coaching services. The fund operates under the Smart Future Trust, managed by Equity Trustees Superannuation Limited with investments administered by Future Group Investment Management.

Differentiator

Problem solved

Functional benefit

Products and services

• Future Super (sustainable superannuation fund) Australian retail superannuation fund offering five sustainably screened investment options (Sustainable Moderate, Balanced Growth, Alternatives Growth, Growth, High Growth), designed for individual Australians who want their retirement savings excluded from fossil fuels, weapons, gambling, and tobacco companies and directed toward climate solutions. Members join online through futuresuper.com.au or the Future Super mobile app and access day-to-day account management via the app and online portal.
• Future Super Pension Fund Account-based pension product for members transitioning to retirement, available in three sustainably screened options: Sustainable Moderate Pension, Balanced Growth Pension, and Growth Pension. Provides a retirement income stream while preserving the fossil fuel-free and ESG-screened investment approach maintained during the accumulation phase.
• Death Only Insurance Opt-in life insurance cover providing a lump sum payment to beneficiaries in the event of the insured member's death or diagnosis of a terminal illness. Underwritten and delivered by MetLife Insurance Limited.
• Death & Total Permanent Disablement (TPD) Insurance Opt-in insurance providing a lump sum payment to members on death, terminal illness, or total permanent disability. Delivered in partnership with MetLife Insurance Limited.
• Income Protection Insurance Opt-in insurance delivering a monthly income benefit to members during partial or total disability caused by sickness or injury. Provided through MetLife Insurance Limited.
• Future Super mobile application (iOS and Android) Native iOS and Android mobile application providing members self-service access to their super account, balance tracking, performance views, and in-app features including the Future Ready Check digital advice tool, with security protected by app-based multi-factor authentication.
• Future Super online member portal Web-based portal at my.futuresuper.com.au enabling members to log in, view account balances, update personal details, and access day-to-day fund services.
• 360Health virtual wellbeing support Member-benefit service providing unlimited access to virtual medical support, mental health assistance, nutrition guidance, and recovery support, delivered in partnership with Teladoc Health Australasia Pty Ltd at no extra cost to eligible members and their immediate family (partner, children, parents, parents-in-law).
• Free member financial coaching Financial coaching service available to Future Super members at no extra cost, providing personalised guidance on superannuation, retirement planning, and investment decisions without sales pressure.

Quantifiable outcome

• Over 50,000 members as at February 2026
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Equity Trustees Superannuation Limited (ETSL)coreOthersETSL is the legally appointed trustee of the Smart Future Trust, the legal structure within which Future Super operates. ETSL is responsible for overseeing the fund on behalf of members and ensuring compliance with Australian superannuation law and regulations. ABN 50 055 641 757, RSE Licence L0001458, AFSL 229757.
• Future Group Investment Management Pty Ltd (FGIM)coreTechnology or IntegrationFGIM leads the investment strategy and day-to-day management of the underlying investments supporting the Future Super portfolio. ABN 55 621 040 702; AFS Representative No. 001271441, a Corporate Authorised Representative of Future Group Financial Services Pty Ltd.
• Apex Superannuation (Australia) Pty LtdcoreImplementation/ SI/ Consulting PartnerApex Superannuation provides superannuation fund administration services to Future Super, handling member record-keeping, contributions processing, benefit payments, and day-to-day fund operations. ABN 28 081 966 243; AFSL 238507.
• MetLife Insurance LimitedcoreOthersMetLife Insurance Limited provides life insurance coverage (Death, TPD, and Income Protection) to eligible Future Super members. Insurance is opt-in. ABN 75 004 274 882; AFSL 238096.
• Future Super Services Pty LtdcoreOthersThe Promoter of Future Super, responsible for marketing and promotion of the fund. ABN 88 652 577 930; AFS Representative No. 001312077, a Corporate Authorised Representative of Future Group Financial Services Pty Ltd ABN 90 167 800 580; AFSL 482684.
• Future Group Financial Services Pty LtdcoreOthersAFS Licensee for Future Super Services Pty Ltd and Future Group Investment Management Pty Ltd. ABN 90 167 800 580; AFSL 482684. Provides the regulatory AFS licence under which the fund operates.
• Teladoc Health Australasia Pty LtdcoreImplementation/ SI/ Consulting PartnerTeladoc Health provides the 360Health virtual wellbeing platform and services (virtual medical support, mental health assist, nutrition coaching, recovery support) to Future Super members and their families at no extra cost. Services are unlimited for eligible members and their immediate family (partner, kids, parents, parents-in-law). ACN 147 387 666.
• Pay The Rent CollectiveminorStrategic or Co-development PartnerFuture Group (parent of Future Super) pays rent through the Pay The Rent Collective, which disburses payments to Aboriginal and Torres Strait Islander organisations the collective partners with across Australia. This is part of Future Super's reconciliation commitments and acknowledgement that the business operates on sovereign First Nations land.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Australian Ethical Investment: Australia's largest ethical super fund and most direct competitor to Future Super. Both offer screened, fossil-fuel-free superannuation and pension products to values-driven Australian consumers, with comparable mission and member segment.
• Verve Super: Australia's first super fund focused on women, acquired by Future Super in November 2023. Operates as a values-aligned, fossil-fuel-free super fund serving a complementary niche within Future Super's broader platform.

Broad incumbents

• AustralianSuper: Australia's largest superannuation fund with millions of members. While mainstream (not fossil-fuel-free), it competes for the same retail super members and has begun offering ESG-tilted options, representing the dominant incumbent threat.
• REST Industry Super: One of Australia's largest industry super funds with a diversified member base. Offers retail-accessible super and pension products that overlap with Future Super's accumulation and decumulation offering.
• Hostplus: Major Australian industry super fund open to all Australians. Offers investment menu including sustainable options and competes for the same retail super members across accumulation and pension phases.
• HESTA: Industry super fund focused on health and community services workers, now open to all Australians. Provides accumulation and pension products with growing ESG options, competing with Future Super for retail members.
• Cbus Super: Industry super fund for construction and related industries, now open to all Australians. Competes broadly in the retail super market with multiple investment options including sustainable choices.
• UniSuper: Superannuation fund for the higher education and research sector, with multiple accumulation and pension products. While not fossil-fuel-free, it competes for the same retail member segment in Australia.
• Mercer Super Australia: Large retail super provider offering accumulation and pension products to Australian consumers, including sustainable investment options. Competes across price, performance, and increasingly ESG-screening dimensions.

Emerging players

• Spaceship Super: Digital-first super fund targeting younger Australian consumers with growth-tilted investment options. Shares Future Super's mobile-first, direct-to-consumer distribution model and target demographic.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/myfuturesuper
• LinkedInlinkedin.com/company/future-super
• Instagraminstagram.com/future_super

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

Funding overview

Funding rounds2 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Future Super