Articles by
Janine Mace
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Superannuation rule changes from July 2025 (and previous years)
Navigating your way around the constant rule changes in the super system is tricky, so here’s our annual list of the modifications you need to know about.
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What is the maximum super contribution base?
High-income earners face a quarterly cap on the amount of income on which their employer must make SG contributions. Here’s the limit for 2024–25.
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Making superannuation contributions: Super for beginners guide
It can be confusing to understand all the different types of super contributions. But it’s worth learning the main types and what each one offers you.
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In your 50s or younger? The super rules that apply to you
When you reach your 50s, it’s time to get serious about your super, so here’s the key super rules for your age group.
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How LISTO works (Low Income Superannuation Tax Offset)
The Low Income Super Tax Offset is a government rebate that can help boost your super and make saving for retirement a little easier.
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What to do if your employer doesn’t pay your super
Chasing your unpaid super contributions can be difficult but there are things you can do to get the money you’re owed and ensure your super account keeps growing.
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Bring-forward rule explained: How to make large super contributions
Using the bring-forward rule is a great way to put a larger contribution into your super account in a single year. Here’s what you need to know about the rules.
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How the Division 293 tax works: Super surcharge for high earners
High-income earners pay extra tax on their concessional super contributions, so it’s important to understand the rules.
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What to do if you exceed your super contributions caps
Going over your annual limits for super contributions can cause problems and cost you money, so it’s important to know what to do if you have.
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How carry-forward (catch-up) super contributions work
If you haven’t used all your concessional contributions cap in recent years you can play catch-up and get a handy tax concession to sweeten the deal. We explain how.
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Downsizer super contributions: Rules and eligibility
Eligible downsizer contributions can be a great way to boost your super without falling foul of many of the rules affecting other super contributions.
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In your 60s? The super rules that apply to you
When you reach your 60s, the rules around making contributions and withdrawals from super start to change, so it’s important to know what’s what.
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In your 70s? The super rules that apply to you
If you’re still adding to your retirement savings in your 70s, it’s important to know the super rules, as making contributions becomes tougher after age 75.
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Checklist for employers to master your super responsibilities
Getting the details right when it comes to paying employees’ super can be tricky, so use our 7-point checklist to ensure you meet your super obligations.
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Employer’s guide to Superannuation Guarantee contributions: Which employees are eligible?
Working out which employees are eligible for SG contributions can be tricky. Employers often think they know, but the ATO can have different ideas.
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Super Guarantee Charge for employers: What is it and what are my options?
Failing to make your quarterly SG contributions on time and to the right fund will leave you with a Super Guarantee Charge bill, which can be expensive.
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Calculating your employees’ SG contributions? The rules to help get it right
Working out the right SG contributions for your employees can be confusing, but if you learn the rules there shouldn’t be any problems with the tax man.
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Quiz: Employer super responsibilities
Take this 10-question quiz to test your knowledge on the superannuation responsibilities for employers.
