EOFY and your super

by Jun 16, 2026Articles

EOFY and your super

EOFY is a great time to check in on your super. Even small contributions made before 30 June can help grow your retirement savings over time.

A few EOFY super strategies to consider

  • Add extra to your super before 30 June.
  • Review concessional (before-tax) and non-concessional (after-tax) contribution options.
  • Check if you’re eligible for government co-contributions or spouse contribution benefits.
  • Consider catch-up contributions if eligible.

Concessional contributions

Concessional contributions are made from before-tax income and may reduce your taxable income while helping grow your super. These can be made through:

  • Salary sacrifice
  • Personal contributions claimed as a tax deduction.

Contribution caps apply, so it’s important to check how much has already been contributed this financial year.

Non-concessional contributions

These are made using money you’ve already paid tax on, such as savings. While they don’t reduce taxable income, they can still help build your retirement balance over time.

Don’t leave it too late

Super funds may have processing cut-off dates before 30 June, so acting early is important to ensure contributions count this financial year.

Small EOFY actions today can make a meaningful difference to your future retirement savings.

Before making any contribution decisions, please reach out to a Fortress financial adviser to ensure the strategy is right for your circumstances.

 

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This document contains general advice only. You need to consider with your financial planner, your investment objectives, financial situation and your particular needs prior to making an investment decision. Futuro Financial Services Pty Ltd and its authorised representatives do not accept any liability for any errors or omissions of information supplied in this document except for liability under statute which cannot be excluded.”
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