Getting money into super in the final dash to retirement is not always straightforward, so check you’re eligible before making any last minute contributions.
Set out below are all SuperGuide articles that relate to How super works.
Salary sacrifice and super: How does it work?
Forgoing some of your salary into your super through a salary sacrifice arrangement can have valuable tax benefits and help boost your retirement nest egg.
Superannuation rule changes from July 2021
Keeping up with the constant rule changes to super can be tricky, so here’s our annual list of what you need to know.
Your simple guide to Superannuation Guarantee (SG) contributions
For most of us, our employer’s regular SG payments are the main source of contributions going into our super, so it pays to understand what they are.
A super guide to understanding the bring-forward rule
Using the bring-forward rules is a great way to put a large contribution into your super account in the same year. Here’s what you need to know about the rules.
What age can I access my super (Preservation Age)?
There are a series of hurdles you need to clear before you can access your super. The first is your age.
How carry-forward (catch-up) super contributions work
Rolling forward any unused amounts from your annual concessional contribution cap can be an easy way to get more money into super tax-effectively.
What is a re-contribution strategy and how can I use it with my super?
Re-contribution strategies can reduce the tax on your super benefit and may eliminate tax for non-tax dependant beneficiaries like your adult children.
How LISTO works (Low Income Superannuation Tax Offset)
If you can find spare cash to make a contribution into your super account, you could be eligible to receive the LISTO top-up of up to $500 from the government.
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.
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.
Contribution splitting: How to boost your spouse’s super
Splitting your super with your spouse or partner can be a great way to boost your joint retirement savings and possibly save yourself some tax as well.
Concessional super contributions guide (2021-22)
Concessional contributions are taxed at concessional rates, so to make the most of them it’s important to understand how they work.
Non-concessional super contributions guide (2021-22)
Non-concessional contributions are a great way to top up your super retirement savings. Here’s our simple guide to how they work.
What is the maximum super contribution base for 2021-22?
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 2021/22 and previous years.
