Super fund rankings
- All Growth category (96–100%)
- High Growth category (81–95%)
- Growth category (61–80%)
- Balanced category (41–60%)
- Conservative category (21–40%)
Introducing a new benefit of your SuperGuide membership, where we arrange discounts to complementary services provided by carefully selected partners.
Jubilacion uses expert financial modelling to answer the big questions on the minds of people thinking about their retirement, such as how much money you need to retire.
SuperGuide members receive a 20% discount
SuperGuide members Q&A: December 2023
Thursday 14 December 2023 at 11:00 am AEDT
In this webinar super expert Garth McNally will answer recent questions from SuperGuide members.
Q. In relation to topping up super over the past 5 years if you have not contributed the Max $25/27k.
I believe this is only available if my super balance is below $500k. I have $470… so can I only top up to $500k?
I estimate I can pay about $60-70k going back to 2018/19.
A. You are able to carry forward unused concessional contribution cap from prior years if your total super balance was below $500,000 on 30 June of the prior financial year.
It is not necessary for your balance to remain under $500,000 after the contributions are made.
For example, if your total super balance was $499,000 on 30 June 2023, you would be eligible to use carry forward during 2023-24, even though the contributions would almost certainly bring your balance above the threshold.
You would not be able to use carry forward in future years unless your total super balance on 30 June fell below $500,000 again.
Learn more about total super balance and carry forward concessional contributions.
We won’t see the end of arguments about whether active or passive investment strategies are superior any time soon, but if you’re looking to minimise investment fees and the risk of underperforming the market an indexed option could be for you.
Important: All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions.
