SuperGuide

Superannuation and retirement planning information

December 2024 Super booster newsletter

How to boost your spouse’s balance and make the most of super caps (including calculator)
Couples who plan together succeed together. Learn how paying attention to your spouse’s super could maximise your opportunities. Read more.
How to boost your spouse’s balance and make the most of super caps (including calculator)
Couples who plan together succeed together. Learn how paying attention to your spouse’s super could maximise your opportunities. Read more.
Quiz: Boosting your super with super contributions
Take the following 10-question quiz to test your knowledge on boosting your super with superannuation contributions. Read more.
Quiz: Boosting your super with super contributions
Take the following 10-question quiz to test your knowledge on boosting your super with superannuation contributions. Read more.
When can I access my super? All conditions of release explained
While super is designed to provide income in retirement, there are circumstances when you may be eligible to withdraw some or all of your savings. Read more.
When can I access my super? All conditions of release explained
While super is designed to provide income in retirement, there are circumstances when you may be eligible to withdraw some or all of your savings. Read more.
Super fund performance: Monthly returns to April 2025
Super funds overcame Trump’s tariff turmoil in April to finish in positive territory, reaffirming the importance of sitting tight and ignoring the short-term market “noise”. Read more.
Super fund performance: Monthly returns to April 2025
Super funds overcame Trump’s tariff turmoil in April to finish in positive territory, reaffirming the importance of sitting tight and ignoring the short-term market “noise”. Read more.
Super news for December 2024
Legacy pensions legislation, Super retirement reforms, Call to stop abusers inheriting victim’s super, Fallout from Cbus payout delays, Super tops $4 trillion mark Read more.
Super news for December 2024
Legacy pensions legislation, Super retirement reforms, Call to stop abusers inheriting victim’s super, Fallout from Cbus payout delays, Super tops $4 trillion mark Read more.

Super strategies for 2025

Thursday 23 January 2025 at 4:30 pm AEDT

In this webinar we will explore and explain some of the more beneficial superannuation strategies that you should be considering in the next 12 months. We will cover super strategies for members of all types of superannuation funds, including industry funds, retail funds and SMSFs.

IN CASE YOU MISSED IT: Watch our previous webinar, SuperGuide members Q&A: December 2024.

Q: I’m interested in making a large tax-deductible contribution to take advantage of the carry-forward rules, but my super balance is close to the $500,000 limit. Does my balance need to remain under the cap after all my contributions for this financial year are added?

A: No, your total super balance does not need to remain under the cap after contributions are made. You are eligible to carry forward unused concessional cap space from prior years into the current financial year if your total super balance was below $500,000 on the last 30 June.

For example, if your total super balance on 30 June 2024 was $490,000 and your current balance is $530,000 you are still eligible to use carry forward this financial year. However, if your balance remains above $500,000 on 30 June 2025 then carry forward will not be available to you in 2025-26.

Read more about carry forward.

There’s nothing worse than saving hard only to find that your investment is a dud. The best time to check how your super fund’s performance compares is now.

Important: All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions.

Superguide Pty Ltd ATF Superguide Unit Trust as a Corporate Authorised Representative (CAR) is a Corporate Authorised Representative of Independent Financial Advisers Australia, AFSL 464629.