18/12/2025
Concessional super contributions are amounts paid into your super before tax.
This includes employer super (SG), salary sacrifice, and personal deductible contributions.
Why do people use them?
✔️ They’re capped at $30,000 per year
✔️ They’re generally taxed at just 15% inside super (instead of your marginal tax rate)
✔️ That means more of your money stays invested and working for you long-term
✔️ Over time, compounding inside a low-tax environment can make a significant difference to your retirement balance
For many people, super can be one of the most tax-effective long-term wealth strategies — but it’s not always the right move for everyone.
Cashflow needs, age, access to funds, income level and future plans all matter.
⚠️ General advice only. This information is not personal financial advice and does not take into account your objectives, financial situation or needs. You should consider whether it’s appropriate for you and seek tailored advice before making decisions.