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.…
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…
Trusts can be a powerful tool for managing assets, protecting wealth, and planning for succession, but when they are poorly structured or managed, they can create unexpected complications. Recognising the warning signs of inadequate trust planning can help trustees and beneficiaries avoid legal, tax, and financial pitfalls. Lack of Clear Objectives One of the most…
Retirement planning is rarely a “set and forget” exercise. While it’s natural to build a plan based on your current circumstances, life has a habit of changing course. Career shifts, family milestones, and unexpected financial events can all reshape your financial position over time. The key to long-term success is recognising when these changes occur…
Superannuation is one of the most important tools for building a comfortable retirement. But knowing how much you should have saved can be confusing, especially as your needs and lifestyle change over time. While every individual’s situation is unique, there are general benchmarks to help you understand whether your super is on track. In Your…
Life rarely unfolds exactly as planned. Illness or injury can strike without warning, and when it does, the ability to earn a regular income can be seriously disrupted. For many Australians, income protection insurance held through superannuation provides an important financial safety net, helping to replace part of their income if they are temporarily unable…
Running a business comes with many financial priorities, and for owners, balancing the immediate demands of cash flow with long-term retirement planning can be challenging. Superannuation is one of the most effective ways to secure your financial future, but it requires careful planning to ensure contributions don’t strain your business finances. Understanding Your Obligations As…
For many Australians, superannuation is one of the most important long-term financial tools, yet it can sometimes feel complicated or distant. One concept gaining attention (and legislative action) is payday super, a practical approach designed to help employees make consistent contributions and maximise retirement outcomes. What Is Payday Super? Payday super isn’t a new type…
A new calendar year is the perfect time to take stock of your superannuation and make sure everything is on track. With contribution caps, compliance rules and ever-changing legislation, it’s easy to make mistakes that can cost you money – or even delay your retirement goals. Here are some of the most common superannuation missteps…