Understanding concessional and non-concessional contributions

Understand which contributions are before-tax or after-tax and how super and tax rules apply to them. Tax and restrictions on contributions Your superannuation is usually taxed at a lower rate than most income and investments. However, if your contributions exceed thresholds (called ‘caps’) that apply to concessional and non-concessional contributions, the amounts above the caps … Read more

What the Payday Super changes mean for your retirement

Significant reforms to the Australian superannuation system are about to take effect and could help people boost their super balances in the lead-up to retirement. They are being billed as the biggest changes in decades to the superannuation system in Australia and the reforms may support improved retirement outcomes for Australians. From July 1, 2026, … Read more

The winners, the laggards, and the next phase of AI investing

Why not all tech stocks are benefiting from the AI boom For Australian investors with a keen interest in markets – and technology shares in particular – the past 12 months haven’t exactly been straightforward. On one hand, U.S. tech stocks are hitting record highs, with headlines dominated by surging chipmakers, massive AI investment, and … Read more