Adding extra to your super before the end of the financial year could help you save on tax, as well as boost your super balance. And there are a few ways to do so, depending on your personal circumstances. In this episode, host Shane Hancock sits down with Education Manager Michelle Kelada to discuss the different ways to add to super and the potential tax benefits of each.

For more information about adding extra to super, visit australiansuper.com/grow

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you.

Complete the form at australiansuper.com/story 

To find out more about AustralianSuper visit australiansuper.com

Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice. This may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision consider if the information is right for you and read the relevant Product Disclosure Statement, available at australiansuper.com/PDS or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

Global markets are currently experiencing more volatility, largely due to geopolitical developments and US trade policy. So what does this mean for your super

Hear from host Shane Hancock and AustralianSuper’s Head of Asset Allocation, Alistair Barker, as they discuss how market volatility can affect your super balance, the benefits of staying invested, and why it’s important to think about the long term.

Helpful resources

Market volatility: australiansuper.com/market-volatility

Understanding the risks of switching:australiansuper.com/investments/investment-articles/2021/10/understanding-switching-risks

Your advice options: australiansuper.com/advice

Risk profile tool: australiansuper.com/risk-profiler

If you’d like a question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

Investment returns aren’t guaranteed. Past performance isn’t a reliable indicator of future returns.

In relation to the AustralianSuper Balanced option (Super) – long-term performance over 20 years to 31 March 2025:AustralianSuper investment returns are based on crediting rates, which are returns less investment fees and costs, transaction costs, the percentage-based administration fee deducted from returns from 1 April 2020 to 2 September 2022 and taxes. Returns don’t include all administration, insurance and other fees and costs that are deducted from account balances. Returns from equivalent investment options of the ARF and STA super funds are used for periods before 1 July 2006. Investment returns aren’t guaranteed. Past performance isn’t a reliable indicator of future returns.

Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice.

This may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision consider if the information is right for you and read the relevant Product Disclosure Statement, available at australiansuper.com/PDS or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

With a long career in the world of performing arts, Kathryn often faced times of financial stress with short-term contracts, unpaid gigs, and a mortgage she struggled to keep on top of. Her super wasn’t top of mind until she realised she needed to be able to support herself without relying on anyone else.

Now, she’s come out the other side – enjoying her semi-retirement with a paid-off home and casual work that brings her joy.

If you’d like to share your story about how you started planning for retirement and inspire others to make the most of their super, we’d love to hear from you. Complete the form at australiansuper.com/story.

To find out more about AustralianSuper visit australiansuper.com   

The views expressed are those of the member based on their circumstances, reproduced with their continuing consent.

AustralianSuper has over 3.4 million members as at 30 June 2024.

Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, and tax issues and when your super can be accessed. We recommend you consider seeking financial advice.

Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. We recommend you consider seeking financial advice. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

Money is just one piece of the puzzle when it comes to planning for the next phase of your life. Your wellbeing is an important factor when it comes to achieving the lifestyle you want. Join host Shane Hancock and Dr Elizabeth Clancy from Transitioning Well as they discuss the current retirement landscape in Australia, common concerns, and the four fundamentals for wellbeing in retirement.

To learn more about the topics covered in this episode, check out our Elements of Retirement guide for more information: https://www.australiansuper.com/elements-of-retirement/get-started/elements/lifestyle-and-wellbeing

For more information on Transitioning Well, you can find them on LinkedIn and Facebook.

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story  

The views expressed in this podcast are those of the interviewee based on their experience and expertise and not AustralianSuper.

This may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision consider if the information is right for you and read the relevant Product Disclosure Statement, available at australiansuper.com/PDS or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

Australian Bureau of Statistics, Retirement and Retirement Intentions, Australia 2022-23. Released May 2024.

AustralianSuper Retirement Research Study, (survey of 2001 pre-retirees) February 2024.

See omnystudio.com/listener for privacy information.

Peggy’s circumstances changed dramatically in the lead up to her semi-retirement. Caring for her elderly mother and a cycling accident left her struggling to work and unable to think about her future. She thought retirement would be boring, but a few years later, she’s busier than ever before and enjoying the next stage of her life.

If you’d like to share your story about how you started planning for retirement and inspire others to make the most of their super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their circumstances, reproduced with their continuing consent.

AustralianSuper has over 3.3 million members as at 31 December 2023.

Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice.

Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. We recommend you consider seeking financial advice. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.

Personal financial product advice is provided under the Australian Financial Services Licence held by a third party and not by AustralianSuper Pty Ltd. Fees may apply.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

Your superannuation could be one of the biggest assets you’ll accumulate in your lifetime, so it’s a good idea not to ‘set and forget’ your account. Taking a few minutes to get on top of it now could make a big difference in the future. Join host Shane Hancock and Education Manager Peter Treseder as they cover five considerations for taking control of your super.

Take your Super Snapshot at australiansuper.com/supersnapshot

Check out the tools and calculators mentioned in this episode at australiansuper.com/calculators

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story 

Investment returns aren’t guaranteed. Past performance isn’t a reliable indicator of future returns.

Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. We recommend you consider seeking financial advice. Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice.

The insurance cover provided automatically is based on your division, age, account balance and if you are receiving employer contributions. You can apply to increase, decrease, cancel or change your cover anytime. Age limits and other conditions apply. Read the Insurance in your super guide for more information. AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450, AFSL 237848

Personal financial product advice is provided under the Australian Financial Services Licence held by a third party and not by AustralianSuper Pty Ltd. Fees may apply.

This may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision consider if the information is right for you and read the relevant Product Disclosure Statement, available at australiansuper.com/PDS or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

A motorcycle accident five years ago changed the course of Ross’ life, forcing him into semi-retirement. For over 20 years, he successfully ran his own businesses, where paying himself super was low on the list of priorities. Despite the lasting impacts of his accident, Ross’ resilience and determination are powering him towards his retirement goals.

If you’d like to share your story about how you started planning for retirement and inspire others to make the most of their super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

Please note this episode touches on issues around mental health, depression and anxiety, and some listeners may find this confronting. If you or someone you know need support, please reach out to Lifeline on 13 11 14.

The views expressed are those of the member based on their circumstances, reproduced with their continuing consent.

AustralianSuper has over 3.3 million members as at 31 December 2023.

Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice.

AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450, AFSL 237848.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that
outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

Kulwant and his wife migrated to Australia in 1992 with their young and growing family. Although daunting, settling into a new city and finding a job didn’t faze him – and neither did understanding the value of growing his super account. Happily retiring three years ago, he’s now busier than ever chasing after his young grandchildren and enjoying retirement.

If you’d like to share your story about how you started planning for retirement and inspire others to make the most of their super, we’d love to hear from you. Complete the form at australiansuper.com/story. To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their circumstances, reproduced with their continuing consent.

Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice. 

Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. We recommend you consider seeking financial advice.

AustralianSuper has over 3.3 million members as at 31 December 2023.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

Having the right insurance cover can give you peace of mind that you’ll have money when you need it most. Many Australians have some level of cover through their super fund. Host Shane Hancock chats to Head of Insurance Richard Land about the types of insurance available, how to work out how much cover you need, and other considerations.

To use AustralianSuper’s Insurance Calculator, visit australiansuper.com/InsuranceCalculator

If you’d like a different question answered in the podcast about how you could make the most of your super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com  

AustralianSuper has over 3.3 million members as at 31 December 2023.

AustralianSuper insurance is provided by TAL Life Limited (the Insurer) ABN 70 050 109 450, AFSL 237848.

The cover provided automatically is based on your division, age, account balance and if you are receiving employer contributions. You can apply to increase, decrease, cancel or change your cover anytime. Age limits and other conditions apply. Read the Insurance in your super guide for more information.

Richard references the Superannuation Guarantee for the 2023-24 financial year. Latest information is available at https://www.australiansuper.com/superannuation/superannuation-articles/2024/07/understanding-the-superannuation-guarantee

There’s no charge for general advice about your super account. The financial advice you receive will be provided by Link Advice Pty Limited ABN 36 105 811 836, AFSL 258145 and will be their responsibility. Personal product advice provided may attract a fee, which will be outlined before any work is completed and is subject to your agreement.

This may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision consider if the information is right for you and read the relevant Product Disclosure Statement, available at australiansuper.com/PDS or by calling 1300 300 273. A Target Market
Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

See omnystudio.com/listener for privacy information.

Working at the Tax Office brought Carolyn and Jeff together – and years later, gave them the opportunity to retire together when both were offered redundancies from their executive roles. Ten years later, they’re living life to the fullest, with their super knowledge playing an important role in helping them achieve the lifestyle they always wanted.

If you’d like to share your story about how you started planning for retirement and inspire others to make the most of their super, we’d love to hear from you. Complete the form at australiansuper.com/story

To find out more about AustralianSuper visit australiansuper.com

The views expressed are those of the member based on their circumstances, reproduced with their continuing consent.

AustralianSuper has over 3.3 million members as at 31 December 2023.

Salary sacrifice may affect some Government benefits and employee benefits. Consider getting financial advice before deciding if a salary sacrifice arrangement is right for you.

Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice.

Transition to Retirement (TTR) can be complex and isn’t suited to everyone. It’s a good idea to get financial advice before deciding if a TTR Income account is right for you.

This may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision, consider if the information is right for you and read the relevant Product Disclosure Statement available at australiansuper.com/pds or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at australiansuper.com/TMD. AustralianSuper Pty Ltd, ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898. 

See omnystudio.com/listener for privacy information.