She's On The Money Your Superannuation Glow-Up Part 2: The Small Add-Ons That Could Make You a Millionaire
Nov 18, 2025
Discover how small changes can significantly boost your superannuation balance over time. Learn about a $25 weekly habit that could lead to six-figure savings. Find out how adjusting your risk settings might double your balance and explore the potential government bonuses you might qualify for. Get the scoop on salary sacrificing and how even a slight difference in returns can add up to hundreds of thousands by retirement. Plus, tips on automating contributions for a brighter financial future!
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Small Admin Checks Yield Big Returns
- Foundations matter: know your balance, check MyGov, confirm employer pays 12%, and review fund fees and performance.
- Small administrative fixes now (like checking fee and performance) cost nothing yet deliver compounding benefits over decades.
One Percent Now, 35% Later
- A 1% difference in returns compounds into materially more money by retirement, often over 30% extra.
- Small changes to fees or risk settings can therefore have outsized long-term impact on your super balance.
Top-Up Your Super For Tax-Efficient Growth
- Do consider making extra contributions to your super to boost long-term balance and save tax via concessional contributions.
- Use salary sacrifice where possible because contributions are taxed at 15% instead of your marginal rate, giving an immediate tax benefit.