by Nasser Zreika | Aug 3, 2026 | Superannuation
The bring-forward rule lets eligible retirees contribute up to $390,000 in non-concessional contributions in a single year by using three years of cap at once. A downsizer contribution of up to $300,000 per person ($600,000 per couple) sits completely outside this...
by Nasser Zreika | Aug 3, 2026 | Superannuation
Catch-up (carry-forward) concessional contributions let you use unused concessional cap space from the past five financial years on top of the current year’s cap. If your total super balance (TSB) was under $500,000 on 30 June 2026, you can carry forward unused...
by Nasser Zreika | Jul 31, 2026 | Superannuation
For the 2026-27 financial year, the concessional contributions cap is $32,500 and the non-concessional contributions cap is $130,000, both up from $30,000 and $120,000 in 2025-26. Here is exactly how each cap works, who they apply to, and how to use carry-forward and...
by Nasser Zreika | Jul 3, 2026 | Retirement Planning Strategies
In Australia, retiring at 60 vs 67 are two different retirement milestones — not one: The short version In Australia, retiring at 60 vs 67 are two different retirement milestones — not one: In this guide Two Different Systems, Two Different AgesWhat Happens at 60:...
by Nasser Zreika | Jul 3, 2026 | Superannuation
Dollar for dollar, salary sacrifice and personal deductible (“extra”) super contributions save you exactly the same amount of tax — both are taxed at 15% inside your super fund instead of your marginal rate, and both count toward the same $32,500...
