Super Charge your Retirement: Opportunities in 2025–26
The new financial year has arrived, and with it comes a wave of superannuation updates that could significantly impact your retirement planning. Whether you're just starting to build your super or approaching retirement, understanding these changes is key to making informed financial decisions.
At Finspire Advisers, we’re here to help you make the most of every opportunity to grow your wealth and secure your future.
🔑 Key Superannuation Changes for FY 2025–26
✅ Super Guarantee (SG) Rate Increases to 12%
From 1 July 2025, the Super Guarantee—the compulsory employer contribution—has reached its final scheduled increase to 12%. This means more money is being added to your super with every paycheck, helping you build a stronger retirement nest egg.
💰 Contribution Caps Remain Unchanged
Concessional (pre-tax) contributions cap: $30,000
Non-concessional (after-tax) contributions cap: $120,000
These caps define how much you can contribute to super each year while receiving tax benefits.
🚀 Boost Your Super with Contribution Strategies
Take advantage of these powerful tools to maximise your super:
Carry-forward contributions: If your total super balance is under $500,000, you can use any unused concessional cap amounts from the past five years.
Bring-forward rule: Eligible individuals can contribute up to $360,000 in non-concessional contributions in a single year by bringing forward up to three years’ worth of caps.
These strategies can be especially useful for those nearing retirement or with irregular income patterns.
📈 Transfer Balance Cap (TBC) Rises to $2 Million
The Transfer Balance Cap—the limit on how much you can move into a tax-free retirement pension—has increased from $1.9 million to $2 million. This change may affect your retirement income strategy, especially if you’re in or approaching pension phase.
Tip: If you’re in a defined benefit scheme, special rules may apply. It’s important to seek tailored advice.
👶 Super on Paid Parental Leave: A Win for Families
In a landmark move, the government will now pay superannuation on Paid Parental Leave. This helps reduce the retirement savings gap for parents—particularly women—who take time off to care for children.
📍 Why These Changes Matter for You
These updates present both opportunities and challenges. Whether you're looking to maximise your contributions, plan for retirement, or navigate complex super rules, now is the time to review your strategy.
At Finspire Advisers, we specialise in helping Australians make smart, confident financial decisions. Based in Eleebana, NSW, we offer personalised advice tailored to your goals.
📅 Ready to Supercharge Your Retirement?
Let’s make sure your super is working as hard as you are. Book an appointment with our expert team today and take control of your financial future.
👉 Book a complementary appointment now
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General Advice Warning: This information is general in nature and does not constitute personal financial advice. Please consult a qualified financial adviser to discuss your individual circumstances.