The BEST ways to contribute to your super

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An explanation on what a super contribution is and the types available to us Australians.

If you want to learn more either read through the links below or call your super fund directly.

Most funds offer support and even limited financial advice on contributions over the phone as part of your membership.

Also note that cap limits, income thresholds and tax limits all get adjusted periodically. Numbers used in this video were based off 2024/2025 financial year numbers.

The example provided for the salary sacrifice case study uses 12% super guarantee rate which comes into effect July 1 2025.


Understanding concessional and non-concessional contributions
https://www.ato.gov.au/individuals-an...

Concessional contributions cap
https://www.ato.gov.au/individuals-an...

Non-concessional contributions cap
https://www.ato.gov.au/individuals-an...

Carry forward rules (concessional conts)
https://www.ato.gov.au/individuals-an...

Bring-forward arrangement (carry forward equivalent for non-concessional contributions)
https://www.ato.gov.au/individuals-an...

Co-contributions (government makes a co-contribution to non-concessional contributions up to $500)
https://www.ato.gov.au/individuals-an...

Low income super tax offset
https://www.ato.gov.au/individuals-an...

Spouse Tax Offset
https://www.ato.gov.au/individuals-an...

Downsizer super contributions
https://www.ato.gov.au/individuals-an...

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The information provided on this site is based on my own personal experience and is not to be construed as professional financial advice. The contents of this site and the resources provided are for informational and entertainment purposes only and do not constitute financial, accounting, or legal advice.