June 2025 Retirement planner newsletter

My retirement planning diary (Part 3): How much am I likely to spend in retirement?

It’s easy to obsess about your super balance in the run-up to retirement, but how much you have is meaningless unless you know what you need. Read more.

My retirement planning diary (Part 3): How much am I likely to spend in retirement?

It’s easy to obsess about your super balance in the run-up to retirement, but how much you have is meaningless unless you know what you need. Read more.

5 strategies to help fix your total super balance problem

If a high super balance is limiting your ability to get more into the tax effective super environment, there are ways to reduce your balance and maximise contributions at the… Read more.

5 strategies to help fix your total super balance problem

If a high super balance is limiting your ability to get more into the tax effective super environment, there are ways to reduce your balance and maximise contributions at the… Read more.

Case study: Combining downsizer and non-concessional contributions

New rules from 1 July will potentially allow older Australians to bring forward the sale of their home and get two bites of the super contributions cherry. Read more.

Case study: Combining downsizer and non-concessional contributions

New rules from 1 July will potentially allow older Australians to bring forward the sale of their home and get two bites of the super contributions cherry. Read more.

What are the super and Age Pension rules for same-sex couples?

Now that same-sex couples are equal under super and tax laws, it’s important to understand what that means for your retirement savings and Centrelink benefits. Read more.

What are the super and Age Pension rules for same-sex couples?

Now that same-sex couples are equal under super and tax laws, it’s important to understand what that means for your retirement savings and Centrelink benefits. Read more.

Is it worth starting a pension from your super sooner rather than later?

Hundreds of thousands of Australians who are eligible to transfer their super into a tax-free pension account have not taken the opportunity. Are you one of them? Read more.

Is it worth starting a pension from your super sooner rather than later?

Hundreds of thousands of Australians who are eligible to transfer their super into a tax-free pension account have not taken the opportunity. Are you one of them? Read more.

SuperGuide members Q&A: June 2025

Thursday 19 June 2025 at 11:00 am AEST

In this webinar super expert Garth McNally answers recent questions from SuperGuide members.

Find out more

IN CASE YOU MISSED IT: Watch our previous webinar, 2025 year-end superannuation tips and traps.

Q: How do I avoid triggering the Bring forward rule if I contribute $150k to my super fund in a single financial year with a view of notifying my super fund at a later date of my intention to claim a tax deduction for $30K of it (i.e. to treat $30k as concessional and $120k as non-concessional)?

A: Bring forward will not be triggered because your contributions will be recorded as $120,000 non-concessional and $30,000 concessional.

Although all contributions will initially be recorded as non-concessional, this reporting is corrected when you submit your notice of intent to claim a tax deduction.

Q: I had read the article covering the Bring forward rules. I’m still a bit confused. Regarding eligibility, my total super balance on 30/6/24 is $500,000. But my balance is $2m in December (after making contributions towards lifetime CGT cap) and started a pension withdrawal this February. Can I still able to contribute $360,000 before the end of this financial year?

A: Eligibility to use bring forward during a financial year is based on your total super balance on the previous 30 June. Your current super balance is not important.

Based on the information you have provided, a three-year $360,000 bring forward arrangement is available this financial year (for contributions made by 30 June 2025).

Are you resentful of investment management fees eating into your super returns? An indexed option could be for you.

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.