Ep 409: Super contribution strategies to consider before 30 June 2026

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With 30 June approaching, now is the time to review your superannuation contribution options before the annual window closes. Most of the levers available inside super operate within a tight 12-month period, and several are use-it-or-lose-it; miss the deadline, and the opportunity is gone.

This blog walks through 10 strategies worth considering before the end of the financial year. Concessional contributions remain the most tax-effective way to grow super for most Australians, with the tax saving sharpening significantly at higher income levels. Catch-up contributions deserve particular attention this year: 2025/26 is the final opportunity to use any unused cap from 2020/21, and once that year's unused amount expires, it cannot be carried forward.

Other strategies covered include contribution splitting to equalise balances between spouses, increasingly important in the context of Division 296, non-concessional contributions and the bring-forward rule, government co-contributions for lower-income earners, downsizer contributions for those aged 55 and over, spousal contributions, small business CGT cap contributions, the First Home Super Saver Scheme, and transfer balance cap planning for those approaching or already in retirement.

The blog also covers contribution reserving for SMSF members and includes a practical checklist of steps to complete before 30 June. Contributions must be received and allocated by your fund before the deadline, not simply sent. Acting by 20 June is strongly recommended.

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This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.