Super Smart Super
Catching Up with Confidence
Life doesn’t always follow a straight financial path. Whether you’ve taken a career break, cared for family, or gone through separation, your super might not be where you want it to be. But it’s never too late to take control.
Super grows from employer contributions, personal contributions, and investment returns. Even if your balance feels “behind,” tax concessions give you the chance to catch up. Concessional contributions are taxed at 15% — significantly less than most income tax rates.
If you’ve returned to work, consider making catch-up contributions (using unused caps from previous years). Also, review your fund’s investment mix and insurance cover to ensure they’re right for your current situation.
Rebuilding your super after a career break or life change can feel overwhelming, but every step matters. Getting advice from a financial adviser can help you prioritise, catch up, and regain control. It’s about transforming uncertainty into confidence — and giving yourself permission to look ahead with hope.
