Most people assume superannuation contributions are either made by their employer or set up through salary sacrifice. But there’s a third option many Australians overlook — and it can deliver a meaningful tax saving before 30 June if you act in time. What is a personal deductible contribution? A personal deductible contribution is money you…
One of the biggest changes to hit Australian payroll in a generation is now less than two months away. From 1 July 2026, employers must pay superannuation contributions on payday — and it must land in the bank account of the Super Fund within seven business days of each wage payment — rather than quarterly.…
Superannuation contributions come in different types, and understanding the distinction between concessional and non-concessional contributions is essential for effective retirement planning. Both types can help grow your super, but they are treated differently for tax purposes and have different limits. Concessional Contributions Concessional contributions are before-tax contributions made to your superannuation. These include employer contributions…
For most of us, superannuation contributions arrive in our fund once a quarter. It has always been that way — but from 1 July 2026, everything changes. Under new rules, employers will be required to pay super contributions on payday, at the same time as wages. It is one of the most significant changes to…
