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Super for Australia

Superannuation contributions, caps, and retirement rules explained plainly.

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29 AUG 2026

ALEX EXPLAINS: Your Super Default Option Could Cost You $148,000

A typical worker stuck in a higher-fee default super option can lose tens of thousands of dollars over a career, and…

25 AUG 2026

ALEX EXPLAINS: How Division 296 Tax Works When Super Hits $3 Million

If you have $4 million in super in 2026–27, the new Division 296 tax can add roughly $4,500 in extra tax in a single…

25 AUG 2026

Your Guide to the Super Catch-Up Myth (It's Costing You Hundreds of Thousands)

If a 30‑year‑old earning AUD 80,000 skips making an extra AUD 5,000 in before‑tax super contributions for just five…

04 JUL 2026

ALEX EXPLAINS: You Only Need $630,000 Super to Retire in 2026

A typical Australian homeowner could fund a “comfortable” $54,240-a-year retirement with about $630,000 in super, yet…

04 JUL 2026

ALEX EXPLAINS: How to Claim $160K in Catch-Up Super Contributions

If you’ve had a total super balance under $500,000, you can use up to 5 years of unused concessional caps in one hit…

04 JUL 2026

ALEX EXPLAINS: Industry vs Retail Super — Why Your Choice Could Cost $120K

An average worker in a typical retail super fund can retire with around $120,000 less than if they had spent their…

04 JUL 2026

ALEX EXPLAINS: The 7-Day Super Rule — How To Check If Your Employer Is Late

The most shocking dollar figure is that the ATO estimated $52 billion in superannuation went unpaid in 2021–22, which…

04 JUL 2026

ALEX EXPLAINS: 5 Super Settings to Check Before 40 (Add $220K)

A typical 40–44-year-old woman has around $79,000 in super, while a man the same age has $108,000 — yet ASFA’s…

04 JUL 2026

ALEX EXPLAINS: Find Your Lost Super in 10 Minutes ($2,950 Average)

Australians are collectively leaving around $21.5 billion of unclaimed superannuation earnings to languish in…

04 JUL 2026

Super Concessional Contributions Cap 2026-27: $32,500 + $875 Saving

The biggest immediate win is that the concessional cap rises by $2,500 a year to $32,500 from 1 July 2026, so someone…

04 JUL 2026

ALEX EXPLAINS: Payday Super's 7-Day Rule — Check Your First Payslip

If your employer misses just one Payday Super payment by a month, the ATO can slug them with an annual interest…

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The Fine Print

This content is general information only and does not take your personal circumstances into account. It is not financial advice. Consider seeking advice from a licensed financial adviser.