Assorted superannuation blog articles. The articles may cover superannuation and pension rules, and rule changes, or just general commentary. This may be superannuation contribution limits, salary sacrifice benefits, discussion on investment options or a deep analysis of a superannuation fund provider.
Nothing written should be construed as personal advice, and due to constant rule changes, always check that any information provided is still valid.
For the 2026–27 financial year, the concessional (before-tax) contribution cap is $32,500 and the non-concessional (after-tax) cap is $130,000. If you’re eligible for the bring-forward rule, you can contribute up to $390,000 of non-concessional contributions in a single year. The Transfer Balance Cap is $2,100,000. Those figures changed on 1 July 2026 and apply until…
Salary sacrifice is a tax effective way to increase your superannuation balance. In essence it involves voluntarily sacrificing some of your salary into your superannuation account. This article highlights important things to think about, including advantages and disadvantages, before you salary sacrifice. Please note, this blog post covers salary sacrifice into superannuation; it…
If you have converted your superannuation accumulation account to a superannuation pension account then you must start making withdrawals from the pension account. This article details what the minimum pension payment rates are and how they differ depending on your age.
Both concessional and non-concessional contributions are payments made to a superannuation fund, however they are taxed differently. There are also different contribution caps for each type.
Australia has a great superannuation system. In fact it is arguably the best in the world. Unfortunately many Australians do not know how good it is, so this article is going to highlight some of the benefits.
Conventional wisdom dictates that your portfolio should be diversified, but as this article suggests, a ‘Diversified Fund’ may not be the best way for you to achieve diversification.