Superannuation Strategies to Maximise Your Wealth

Build long-term financial security with the right super strategies

Superannuation is one of the most powerful tools Australians can use to build long-term wealth and prepare for a comfortable retirement. Yet many people don’t take full advantage of the tax benefits, contribution rules, and strategic opportunities that super offers.

At Pisani Group, we help individuals, families, and business owners make informed decisions about their super, so they can grow their nest egg, reduce tax, and retire with confidence.

Here’s what you need to know to get the most out of your superannuation.

Why Superannuation Matters

Your super is more than just a retirement savings account—it’s a tax-effective investment structure that can grow significantly over time thanks to compounding and concessional tax treatment.

15% tax rate on concessional contributions and earnings (compared to personal marginal tax rates of up to 45%)
Tax-free income in retirement phase for balances in pension accounts
Ability to make strategic contributions over time to build wealth
Protection from creditors in many cases (depending on structure)

1. Maximise Your Concessional Contributions

Concessional contributions are before-tax contributions like employer Super Guarantee (SG) and salary sacrifice.

Key Facts:

Annual cap for FY2024–25: $30,000
Includes employer SG, salary sacrifice, and personal contributions claimed as a tax deduction
Taxed at 15% in the fund, not at your marginal rate

Strategy:

Salary Sacrifice. Direct part of your pre-tax income into super to reduce your taxable income while boosting your super balance.Example:

Anna earns $90,000 and decides to salary sacrifice $10,000. She saves around $1,950 in personal tax and boosts her super by nearly the full amount (less 15% contributions tax).

2. Don’t Overlook Carry-Forward Contributions

If you haven’t used your full concessional cap in the last five years, you may be eligible to make catch-up contributions.

Eligibility:

Your total super balance is below $500,000 on 30 June of the previous year
You can carry forward unused cap amounts for up to five years

This is particularly valuable for people returning to work, business owners, or those with fluctuating income who want to top up their super tax-effectively.

3. Make After-Tax (Non-Concessional) Contributions

Non-concessional contributions are made from after-tax income and can significantly boost your super balance, especially before retirement.

Key Facts:

Annual cap for FY2024–25: $120,000
Bring-forward rule allows up to $360,000 over 3 years if you’re under 75 and meet eligibility
No tax on these contributions going into your fund

These contributions are not taxed in the fund but must be within contribution limits to avoid penalties.

4. Consider Spouse Contributions

If your partner earns a low income or isn’t working, contributing to their super fund can help build their retirement savings and give you a tax offset of up to $540.

5. Start Transition-to-Retirement (TTR) Strategy

If you’re aged between 59 and 67 and still working, a TTR strategy allows you to:

Reduce working hours while supplementing income from super
Continue contributing and growing your super
Potentially reduce overall tax by combining salary sacrifice with pension income

6. Review Your Super Investment Mix

Most super funds offer a range of investment options, including conservative, balanced, growth, and high-growth options.

As your goals, risk tolerance, or retirement date change, it’s important to review your asset allocation.

7. Don’t Set and Forget

Superannuation isn’t just a “set and forget” product. Changes in legislation, caps, tax rules, and market conditions mean it’s essential to review your super regularly.

At Pisani Group, we work with clients to: