Big Super Changes Coming 1 July 2026 (Here’s What It Means For You)
What if your super rules changed… and you didn’t notice?
Not because you don’t care.
But because life is busy.
From 1 July 2026, some important changes are hitting the super system.
Some are small tweaks.
Some are actually great opportunities.
Last week this came up in a client meeting.
They said, “James, do these changes even matter for us?”
Great question.
Because most people hear “super changes” and think:
It sounds technical
It sounds far away
It probably doesn’t affect me
But here’s what’s changing.
First — super will be paid on payday.
Instead of employers paying super quarterly, from 1 July 2026 they’ll need to pay it at the same time as wages.
Why does that matter?
Because money going in more often means it gets invested earlier.
And earlier investing means more time growing.
Think of it like planting seeds.
If you plant seeds every week instead of every three months, they start growing sooner.
That’s called dollar cost averaging, investing steadily over time instead of in big chunks.
Second — contribution caps are increasing.
Concessional (before-tax) contributions are increasing from $30,000 to $32,500 per year.
Non-concessional (after-tax) contributions are increasing from $120,000 to $130,000 per year.
That means more room to build your super, if it suits your plan.
Third — the transfer balance cap is increasing.
For those moving into retirement phase, the general transfer balance cap increases from $2 million to $2.1 million.
In simple terms?
You can move more into tax-free retirement phase.
For higher balance clients, this matters.
For others, it may not just yet.
Here’s the bigger lesson though.
Rules change.
The goal doesn’t.
Our framework is always the same:
Know where you’re going.
Know the rules.
Use the rules to your advantage.
One of my favourite reminders is:
“Don’t react to headlines. Respond with a plan.”
Super is like a bucket.
The rules decide how much water you can pour in.
Your strategy decides whether the bucket fills up.
If you’re unsure whether these changes affect you, that’s normal.
If you’re already a client who we are advising throughout the year, relax.
We’re across this.
We’re reviewing contribution strategies.
We’re checking caps.
We’re making sure any opportunity these changes create is used properly and any traps are avoided.
You don’t need to decode super law updates at night.
That’s our job.
If we don’t currently work together and you’re reading this thinking,
“I’m not actually sure how this applies to me…”
That’s exactly when a conversation helps.
Super is too important to leave to guesswork.
Contact us or SMS 0483 937 777 with “super” and we’ll point you in the right direction.
Clarity beats guessing.
Talk soon,
7Wealth Pty Ltd ABN 44609210246 is a Corporate Authorised Representatives and is authorised throughCobalt AdvisersPty Ltd ABN 64 628 654 099 who is an Australian Financial Services Licensee 512550. 7Wealth Pty Ltd is a Credit Representative ofAustralian Finance GroupLtd ABN 11 066 385 822 (AFG) Australian Credit Licence 389087.
This blog contains information that is general in nature. It does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on any of the information contained in this document. Subject to law, Cobalt Advisers Pty Ltd nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability, accuracy or completeness of the information; or accepts any responsibility for any person acting, or refraining from acting, on the basis of the information contained in this document.
