money money money 837 superannuation explained: contributions, fees, asset allocation, insurance + more
Sep 15, 2025
Join John Pidgeon, host of This Is Property, as he simplifies the often daunting world of superannuation. He breaks down essential topics such as eligibility, contributions, and the tax advantages that can help build wealth. The discussion includes tips on asset allocation and investment strategies tailored for younger investors. John also dives into personal insurance within super and the importance of understanding beneficiary implications. This engaging conversation ensures listeners leave with valuable insights and a clearer path to mastering their superannuation.
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Super Is A Tax-Advantaged Trust
- Superannuation is a legal tax-advantaged structure distinct from your estate and often more tax-effective for long-term wealth.
- Employer contributions and personal contributions have different rules and tax treatments you must understand.
Use Contribution Caps Strategically
- Use concessional (pre-tax) contributions to reduce tax now, remembering the $30,000 annual cap and carry-forward rules for five years.
- Use non-concessional (post-tax) bring-forward rules to add up to $360,000 over three years if eligible.
Tax On Earnings Drops In Pension Phase
- Earnings inside accumulation phase are taxed at 15% but move to 0% inside an account-based pension after 60.
- That tax differential makes long-run growth inside super materially more efficient than outside holdings.
