Are You Maximising Your Super Contributions Before June 30?
Superannuation remains one of the most powerful and tax-effective tools for building long-term wealth — but are you making the most of it?
As the end of financial year approaches, it’s the perfect time to review your super strategy and ensure you’re taking full advantage of available contribution opportunities.
At Strategem Financial Services, we help individuals and business owners navigate the complexities of super, ensuring their contributions are working as hard as they are.
Understand Your Contribution Options
There are two main types of super contributions:
Concessional contributions: These are pre-tax contributions (e.g. employer SG payments, salary sacrifice, and personal contributions you claim as a deduction). The current cap is $27,500 per year.
Non-concessional contributions: These are after-tax contributions, with a cap of $110,000 per year (or up to $330,000 over 3 years using the bring-forward rule, if eligible).
Understanding how and when to contribute can make a significant difference to your retirement savings — and your tax position.
What you can start thinking about right now….
Maximise Before June 30
Unused caps can’t always be carried forward, and missing the window means missing potential tax savings. For eligible individuals, the carry-forward rule may allow you to contribute more than the annual concessional cap, using unused cap amounts from the past five years.
Whether you're catching up or staying consistent, now is the time to review your contribution levels and make strategic top-ups if needed.
Salary Sacrifice: A Smart Move
For many, salary sacrificing into super is a simple way to reduce taxable income while growing super faster. This strategy allows you to redirect a portion of your pre-tax salary into your super account, taking advantage of the concessional tax rate of 15% — which is typically lower than most personal income tax rates.
Align Super With Your Bigger Picture
Super shouldn't exist in isolation. It should integrate with your broader retirement, investment, and estate planning goals. That’s where we come in — ensuring your super strategy aligns with your lifestyle objectives and financial future.
Let’s Get Your Super Strategy Right
Whether you're:
A business owner managing both your personal and business finances, or
Approaching retirement and looking to boost your nest egg…
…our team is here to provide tailored advice, backed by expertise and a deep understanding of current superannuation legislation.
🕒 Don’t leave it until the last minute — reach out to Strategem before June 30 to make the most of your super contributions.
📞 Contact us today to book a review with one of our advisers.
We are here to help
If you need further advice, please do not hesitate to contact our office on (03) 5445 4777 and one of our Accountants & Advisors are available to support you.
Contact Us
If you have any concerns or general questions, or would like to learn more about superannuation and tax planning, book a chat today.
