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
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