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June 2026 Super booster newsletter

Super funds with the lowest fees
Super fund fees vary widely by fund, investment option and balance size. Find out how funds compare and which options were cheapest as at March 2026. Read more.
Super funds with the lowest fees
Super fund fees vary widely by fund, investment option and balance size. Find out how funds compare and which options were cheapest as at March 2026. Read more.
Super funds of the year awards: Best super funds for 2026
Find out which funds are delivering the best returns, products and services for their members. Read more.
Super funds of the year awards: Best super funds for 2026
Find out which funds are delivering the best returns, products and services for their members. Read more.
Do you know what your super fund is invested in?
If you’d like to know more about the investments your super fund holds, we explain how to find out exactly where your money is going. Read more.
Do you know what your super fund is invested in?
If you’d like to know more about the investments your super fund holds, we explain how to find out exactly where your money is going. Read more.
How the best super funds deliver on member services 
While investment performance grabs the headlines, it’s member services that will help you make good decisions about your super that will pay off in retirement. Read more.
How the best super funds deliver on member services 
While investment performance grabs the headlines, it’s member services that will help you make good decisions about your super that will pay off in retirement. Read more.
Super fund performance: Monthly returns to May 2026
Super funds continued their positive run in May and are on course to post a 9% return for the year to June 2026. Read more.
Super fund performance: Monthly returns to May 2026
Super funds continued their positive run in May and are on course to post a 9% return for the year to June 2026. Read more.
SuperGuide news for June 2026
Death benefits review, ATO protects super transactions from fraud, Super assets and mega funds on the rise, Ban on advertising super funds to new employees Read more.
SuperGuide news for June 2026
Death benefits review, ATO protects super transactions from fraud, Super assets and mega funds on the rise, Ban on advertising super funds to new employees Read more.

Making the most of your SMSF in FY27

Thursday 16 July 2026 at 11:00 am AEST

FY 2027 is already shaping up to be a monumental year for SMSF trustees and members. With increases to contribution caps and further indexation to the pension limits, now is the time to be putting in place your contribution, pension, and investment strategies for the 2027 financial year.

You may also need to prepare your SMSF for Division 296 tax, which starts on 1 July 2026. SMSF trustees need to understand and maximise the transitional rules for FY 2027

IN CASE YOU MISSED IT: Watch our previous webinar, SuperGuide members Q&A: June 2026

Q: I have fully used my $120,000 non-concessional contribution for FY26. My employer concessional contributions exceed the $30,000 cap for FY26.

When my returns are filed after 30 June 2026, will I get an opportunity to withdraw the excess concessional contribution so it doesn’t count as non-concessional contribution and therefore doesn’t trigger the bring forward rule?

A: Thanks for getting in touch.

Under the carry forward rule, concessional contributions above $30,000 during 2025–26 may not cause you to exceed your concessional contribution cap if your total super balance was below $500,000 on 30 June 2025 and you have available unused cap space from any of the previous five financial years.

If do you exceed your concessional contribution cap, the ATO will provide you with the option to withdraw up to 85% of your excess concessional contributions after your super fund finalises contribution reporting for the year. The remaining 15% is not available to withdraw because it has been used to pay contribution tax.

If you choose to withdraw the entire amount offered to you, your excess concessional contributions will not count towards your non-concessional cap.

If you withdraw less than the maximum offered, some of your concessional contribution will be counted towards the non-concessional cap.

If you’ve been hearing more about ETFs, or you’re investing in them outside super, have you considered the opportunity to select a mix of ETFs (or even single stocks) for your super? Member direct options can make it happen.

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.