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Why Using Your $30,000 Concessional Super Cap Each Year Could Be One of the Best Investment Decisions You’ll Ever Make

Australia’s superannuation system is regarded as one of the most effective retirement savings structures in the world. Yet many investors are underutilising one of its most valuable features: the concessional contributions cap. For the 2025–26 financial year, Australians can contribute up to $30,000 of their pre-tax income into superannuation each year through employer contributions, salary sacrifice, or personal deductible contributions.

25 Mar 2026
 · 6 MIN READ

Why Using Your $30,000 Concessional Super Cap Each Year Could Be One of the Best Investment Decisions You’ll Ever Make

Australia’s superannuation system is regarded as one of the most effective retirement savings structures in the world. Yet many investors are underutilising one of its most valuable features: the concessional contributions cap. For the 2025–26 financial year, Australians can contribute up to $30,000 of their pre-tax income into superannuation each year through employer contributions, salary sacrifice, or personal deductible contributions.

25 Mar 2026
 · 6 MIN READ

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SMSF Loans: What Trustees Often Get Wrong

A growing number of Australians are turning to self-managed super funds (SMSFs) to take greater control of their retirement savings—and for many, property sits at the heart of that strategy. According to the latest ATO figures, SMSFs held $1.02 trillion in assets at the end of the December 2024 quarter. While listed shares remain the largest allocation, direct property makes up 16.5% of total SMSF assets.

25 Apr 2025
 · 6 MIN READ

SMSF cost-cutting tips every trustee should know

Self-managed super funds (SMSFs) are growing in popularity amongst investors seeking greater control over their retirement savings. While their benefits are significant, the costs—both setup and ongoing—can pose challenges, particularly for smaller funds. The good news is there are some costs-cutting tips which make SMSFs accessible to a wider portion of the investing population.

23 Jan 2025
 · 5 MIN READ

Why more Australians are turning to SMSFs for retirement planning

The trend of Australians taking control of their own superannuation investments has been steadily rising over the years. Despite challenges like sticky inflation and higher-for-longer interest rates, the self-managed superannuation fund (SMSF) sector has shown remarkable resilience, surpassing the significant milestone of $1 trillion in assets last year.

14 Jan 2025
 · 5 MIN READ

You may be surprised by the minimum assets you need for an SMSF

The inexorable rise of the SMSF continues with the SMSF count reaching 616,400 in March and the number of members hitting 1.1 million. Whilst that’s less than 5% of the Australian population, SMSF investors account for an impressive 24% of the $4 trillion invested in superannuation. In other words, SMSF investors are a wealthy and powerful bunch with growing financial clout.

21 Oct 2024
 · 5 MIN READ
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