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The Wealth Story

Super and SMSF

An overview of how self-managed super funds operate, including responsibilities, costs and investment options. This category offers general guidance to help readers understand SMSF concepts and considerations.

Super and SMSF

Division 296 Tax Explained: The New Super Tax on Balances Over $3 Million (2026)

Super balance over $3 million? Learn how the proposed Division 296 tax works, who it affects, how SMSF property is treated, and what you should do now. Updated March 2026.
Why I Contribute to My Wife's Super (And Why You Might Want To As Well)
Super and SMSF

Why I Contribute to My Wife's Super (And Why You Might Want To As Well)

I contribute $3k/year to my wife's super. Get $540 tax offset plus $112k more wealth over 20 years vs offset account. How spouse super works.
Comparison chart showing Tesla electric car salary sacrifice costs versus superannuation investment returns over 5 years for Australian high-income earners
Tax

Salary Sacrifice Car: Is a Tesla "Almost Free"? (The Math Your Friends Aren't Showing You)

Tesla "almost free" via salary sacrifice? Real math shows $64k cost vs $100k in super. Compare novated lease EV vs wealth-building alternative.
How to Use Carry-Forward Super Contributions to Catch Up and Save $20,000+ in Tax
Super and SMSF

How to Use Carry-Forward Super Contributions to Catch Up and Save $20,000+ in Tax

High earners can use unused super caps from prior years to catch up on retirement savings. Learn the $500k balance test, Division 293 impact, and strategy.
First Home Super Saver Scheme (FHSS): How to Use Super to Save $50,000 for Your First Home in Australia
Property

First Home Super Saver Scheme (FHSS): How to Use Super to Save $50,000 for Your First Home in Australia

Buying your first home in Australia feels increasingly out of reach for many Australians, particularly younger professionals just starting their
Buying Property in an SMSF in Australia: A Practical Guide for High-Income Professionals
Super and SMSF

Buying Property in an SMSF in Australia: A Practical Guide for High-Income Professionals

Over the weekend, I caught up with a friend who is a mortgage broker. He specialises in SMSF lending, which
How Super Really Works as a Wealth-Building Tool
Super and SMSF

How Super Really Works as a Wealth-Building Tool

Superannuation is often described as something you worry about later in life. Retirement. Old age. A distant future version of
Division 293 Tax Explained: What High-Income Earners Need to Know About Super
Super and SMSF

Division 293 Tax Explained: What High-Income Earners Need to Know About Super

For many professionals, superannuation is meant to be the “easy” part of wealth building. Your employer contributes, the tax rate
Building Wealth for Your Kids: A Simple Path You Can Start Today
Super and SMSF

Building Wealth for Your Kids: A Simple Path You Can Start Today

Every wealth story begins somewhere. For many young Australians, that story starts the day they earn their first pay cheque,