The rules of maths don't change but you have not read correctly the way the tax will be applied.
As I understand it:
($Ending value - $Starting value + any withdrawals - after tax contributions) / $Starting value = amount subject to surcharge.
An additional tax surcharge of 15% is then applied to this calculation.
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- Super - Unrealised Capital gains
The rules of maths don't change but you have not read...
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