July can feel like a clean slate, but your superannuation does not reset itself. We walk through the practical steps we use to get your super “house” in order for the new financial year, starting with concessional contributions: the employer 12% Super Guarantee, salary sacrifice, and personal deductible contributions. We explain why these are taxed at 15% inside super, how the concessional cap works, and how to avoid the nasty surprise of going over it.

We then get specific about the moves that people often miss. Carry forward concessional contributions can let you use up to five years of unused cap space, which matters if you have a higher income year, a bonus, or a big capital gain and need a larger deduction. If you are making a personal contribution and claiming it, we spell out the critical admin step: lodging a Notice of Intent with your fund and getting the acknowledgement back before you lodge your tax return. We also cover MyGov as the hub for checking super details, and we unpack the government co contribution so you understand the eligibility rules and the trade-off between receiving the co contribution and claiming a deduction.

Listener questions take us into the real life decisions: keeping two super funds to hold onto valuable insurance, whether it is worth contributing early versus end of June, and what the downsizer contribution really allows when you sell a home. We finish by clarifying how property sales and small business proceeds interact with super contribution caps, plus the basics on unpaid super and rolling from an SMSF to an industry super fund. If this helped, subscribe, share it with a mate who is sorting retirement, and leave us a review so more Australians can find the guidance.

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