Boosting your superannuation isn’t just about how much you contribute — it’s also about how you contribute. Two common strategies are salary sacrifice and personal deductible contributions. Both allow you to make concessional contributions (those made before tax), but the mechanics, tax outcomes, and flexibility differ. Understanding these differences can help you choose the approach that best fits your circumstances.

Superannuation is more than just a retirement savings vehicle — it’s one of the most tax‑effective ways to grow wealth over time. For many Australians, the challenge isn’t knowing that super is important but understanding how to make the most of contribution rules. One of the most powerful strategies available is the bring‑forward rule, which allows you to contribute up to three years’ worth of non‑concessional contributions in a single financial year.