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July 2025 Super booster newsletter

Super fund performance: Annual returns to June 2025
Against all expectations and a backdrop of escalating trade and geopolitical tensions, super funds continued their three-year winning streak in 2025 financial year. Read more.
Super fund performance: Annual returns to June 2025
Against all expectations and a backdrop of escalating trade and geopolitical tensions, super funds continued their three-year winning streak in 2025 financial year. Read more.
Super fund performance: Monthly returns to June 2025
Super funds navigated wave after wave of uncertainty to deliver an extraordinary return of 10.5% in the year to June 30. Read more.
Super fund performance: Monthly returns to June 2025
Super funds navigated wave after wave of uncertainty to deliver an extraordinary return of 10.5% in the year to June 30. Read more.
Best performing super funds: Growth category (61–80%)
The difference between holding your super savings in a leading fund compared to a lemon can make a big difference to your retirement outcome, so it pays to keep an eye on which funds perform well consistently over the long term as well as the past year. Read more.
Best performing super funds: Growth category (61–80%)
The difference between holding your super savings in a leading fund compared to a lemon can make a big difference to your retirement outcome, so it pays to keep an eye on which funds perform well consistently over the long term as well as the past year. Read more.
Top 10 Balanced super funds ranked by risk and return
Earning a good return on your super is important, but so is avoiding wild ups and downs when markets are volatile, especially when you are nearing retirement. Read more.
Top 10 Balanced super funds ranked by risk and return
Earning a good return on your super is important, but so is avoiding wild ups and downs when markets are volatile, especially when you are nearing retirement. Read more.
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. Read more.
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. Read more.
Super news for July 2025
Super switching scams on the rise, Retirement standard rises as renter budgets added, Super satisfaction up, New super standard on insurance, Seniors support super system. Read more.
Super news for July 2025
Super switching scams on the rise, Retirement standard rises as renter budgets added, Super satisfaction up, New super standard on insurance, Seniors support super system. Read more.

The Recontribution strategy: Opportunities and strategies to get the best outcomes

Thursday 24 July 2025 at 4:00 pm AEST

This webinar will show you how the Recontribution strategy works and the process required to maximise the tax effectiveness of your retirement savings.

Q: Does a spouse super contribution count towards my personal concessional contributions cap?

A: A spouse super contribution is a non-concessional contribution. It is counted towards the non-concessional cap of the person who owns the account it was deposited into.

It is not counted towards the cap of the spouse that made the contribution, since it was not added to their account.

In contrast, super contributions you first make to your account and then split/transfer to your spouse’s account are concessional contributions. They count towards the concessional cap of the individual that originally made the contributions to their account. Splitting/transferring the contributions to your spouse does not reduce the amount counted towards your concessional cap.

If you’re planning to get on the property ladder by saving a deposit for your first home, be sure to check how the First Home Super Saver scheme can help.

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.