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In this new episode, Troy breaks down one of the biggest superannuation changes in decades, payday super. From 1 July 2026, employers must pay super with every single payslip, not quarterly. It’s a major win for employees and SMSF members, and a major compliance shift for business owners.

What you’ll learn:

◼️ how payday super boosts long‑term compounding

◼️ why SMSF members benefit even more from faster contributions

◼️ what business owners must update to stay compliant

Timestamps:

0:00:00 - Introduction

00:00:04 – Super Must Be Paid Every Payslip

00:00:16 – Why Payday Super Is A Win For Employees

00:00:21 – New Penalties For Business Owners

00:00:37 – What Payday Super Actually Means

00:01:13 – Old Quarterly System Explained

00:01:28 – Quarterly Contributions Removed

00:01:31 – Seven‑Day Payment Requirement

00:01:55 – Compounding Boost From Frequent Contributions

00:02:25 – Why SMSF Members Benefit Even More

00:02:49 – Stricter Compliance Obligations

00:03:09 – Super Guarantee Charge Explained

00:03:21 – ATO Penalties For Late Payments

00:03:44 – ATO Real‑Time Visibility

00:04:12 – Key Requirements For Business Owners

00:04:18 – Payroll System Updates

00:04:32 – Clearinghouse Timing Risks

00:04:55 – Record‑Keeping Obligations

00:05:14 – Why Payday Super Improves Retirement Outcomes

00:05:23 – Super Is Now A Payroll Obligation

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DISCLAIMER

This content is for educational and coaching purposes only. This is not personal financial or legal advice. SMSF rules are complex and individual circumstances vary significantly. Before making any investment or structural decisions, consult with a qualified financial advisor and SMSF accountant tailored to your specific situation. Improper SMSF management can result in significant penalties and loss of concessional tax treatment.