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Back to basics: How to maximize your super contributions
In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth kick off their summer miniseries by going back to basics on super contributions.
They break down ALL the ways you can get money into super, including concessional contributions (employer, salary sacrifice, and personal deductible), non-concessional contributions, the downsizer scheme, and the often-overlooked CGT retirement exemption that could let you contribute up to $500,000 tax-free.
Whether you're just starting out or want to maximize your final years before retirement, this episode gives you the complete playbook - plus one simple tip that could change everything: automate your contributions.
If you like this Australian Retirement Podcast episode on super contributions, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.
Topics covered today:
- Why bother contributing to super at all?
- Concessional contributions explained: employer, salary sacrifice, and personal deductible
- Understanding contribution caps and catch-up provisions
- Non-concessional contributions and the bring-forward rule
- Downsizer contributions - the $300,000 opportunity
- CGT retirement exemption - up to $500,000 per person
- The one automation tip that makes contributions effortless
Resources for this episode
- ATO Concessional Contributions
- ATO Non-Concessional Contributions
- ATO Downsizer Contributions
- Ask a question (select the Retirement podcast): https://bit.ly/R-quest
Rask Resources
All services
Financial Planning
Invest with us
Access Show Notes
Ask a question
We love feedback!
Follow us on social media:
Instagram: @rask.invest
TikTok: @rask.invest
Instagram: @rask.invest
TikTok: @rask.invest
DISCLAIMER:
This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG):
https://www.rask.com.au/fsg
Learn more about your ad choices. Visit megaphone.fm/adchoices
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By RaskIn this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth kick off their summer miniseries by going back to basics on super contributions.
They break down ALL the ways you can get money into super, including concessional contributions (employer, salary sacrifice, and personal deductible), non-concessional contributions, the downsizer scheme, and the often-overlooked CGT retirement exemption that could let you contribute up to $500,000 tax-free.
Whether you're just starting out or want to maximize your final years before retirement, this episode gives you the complete playbook - plus one simple tip that could change everything: automate your contributions.
If you like this Australian Retirement Podcast episode on super contributions, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.
Topics covered today:
- Why bother contributing to super at all?
- Concessional contributions explained: employer, salary sacrifice, and personal deductible
- Understanding contribution caps and catch-up provisions
- Non-concessional contributions and the bring-forward rule
- Downsizer contributions - the $300,000 opportunity
- CGT retirement exemption - up to $500,000 per person
- The one automation tip that makes contributions effortless
Resources for this episode
- ATO Concessional Contributions
- ATO Non-Concessional Contributions
- ATO Downsizer Contributions
- Ask a question (select the Retirement podcast): https://bit.ly/R-quest
Rask Resources
All services
Financial Planning
Invest with us
Access Show Notes
Ask a question
We love feedback!
Follow us on social media:
Instagram: @rask.invest
TikTok: @rask.invest
Instagram: @rask.invest
TikTok: @rask.invest
DISCLAIMER:
This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG):
https://www.rask.com.au/fsg
Learn more about your ad choices. Visit megaphone.fm/adchoices