September 29, 2025

Luke on 2CC – Is salary sacrifice the only way to get money into super?

15 minutes

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 26 September 2025. The topic for this week is: Is salary sacrifice the only way to get money into your super before you retire? No, it’s not, in fact salary sacrifice may seem ‘old school’, even though you can still do it. If you’re looking to boost your super savings this is a must listen to episode as you might be missing out on retirement planning opportunities. Luke is joined by Leon of 2CC.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Some people who salary sacrifice worry their employer isn’t doing the right thing, and wish there was another way.

Good news there are other ways to get money into your superannuation!

Did you know you can use your own money from any source to make a contribution to super and get a tax deduction?

How much of a tax deduction can you claim?

Both salary sacrifice and personal deductible contributions to super will give you the same tax outcome.

Why might you choose to make a personal deductible contribution rather than salary sacrifice?

Did you that you can do both: salary sacrifice as well as personal deductible contributions to super?

When might salary sacrifice might be the better option for you?

How do you make a personal deductible contribution to super?

How do you claim a tax deduction for a personal deductible contribution to super: “Notice of intent”

Lodge the Notice of intent with your super fund, keep copies of correspondence for your accountant.

Do you need to lodge a notice of intent for what salary sacrifice that you do through your work? In short, no you don’t.

Luke shares his top tips to consider when making contributions to your super.

https://www.envisionfinancial.com.au/wp-content/uploads/2025/09/The-Strategy-Stacker-Luke-Talks-Money-26092025.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with strategies to boost your super and retirement savings?

Selecting the right contribution method at the right amount and in the right fund takes some super planning! If you need super or retirement advice, make an appointment to meet with Luke.

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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By Luke Smith