Want to Boost Your Super (and Lower Your Tax Bill)? 

Every year around this time, a little alarm bell goes off in my head: 
“Have I sorted my super contributions yet?” 

For some clients, it’s a quick yes.

For others, it’s more like, "Ugh… I forgot again." 

Last year, someone emailed me on June 29 asking if they could still contribute. 
Let’s just say—it was a little too close for comfort (and the deadline). 

The good news? If you’re reading this, you still have time. 

Super isn’t just about retirement—it’s a smart way to: 

• Save on tax 

• Build wealth over time 

• Feel more secure about your future 

Here’s a quick breakdown of the contribution types and caps for this financial year: 

1. Pre-Tax (Concessional) – Total cap: $30,000 
   Includes employer super guarantee (currently 11.5%), salary sacrifice, and personal deductible contributions. 

2. Post-Tax (Non-Concessional) – Total cap: $120,000 

   Includes personal contributions made from after-tax income. If eligible, this may also trigger a Government Co-Contribution—a helpful boost from the ATO. 

3. Spouse Contribution – Up to $3,000 

   If eligible, making a contribution to your spouse’s super fund may give you a tax offset of up to $540. 

If you’re one of our Wealth Partner Plan clients or we’ve prepared a plan for you in the past 12 months or currently preparing one, you’ll receive a personalised email next week with your exact recommended contribution amounts. 

If we haven’t provided advice recently (or ever), and you’re unsure whether super contributions are right for you this year—get in touch.

We’re happy to help you figure it out. 

As always, if you have any questions, just reply to this email—we’re here to support you. 

Here’s to finishing the financial year strong! 

7Wealth Pty Ltd ABN 44609210246 is a Corporate Authorised Representatives and is authorised through Cobalt Advisers Pty Ltd ABN 64 628 654 099 who is an Australian Financial Services Licensee 512550. 7Wealth Pty Ltd is a Credit Representative of Australian Finance Group Ltd 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.