Superannuation is the most powerful wealth-building tool most Australians ignore. SG rate: 11.5% in 2025-26. Concessional cap: $30K/year.
Why Super Matters Under 40
A 25-year-old with $30K in super today could have $500K+ by preservation age through compound interest alone — without contributing a cent more.
Switch to High Growth
With 30+ years to retirement, a high-growth option historically outperforms balanced by $200K+. Use the Super Calculator.
Salary Sacrifice
Extra contributions up to the $30K concessional cap are taxed at just 15% (vs your marginal rate of 30-45%).
FHSS Scheme
Voluntary super contributions up to $50K can be withdrawn for a first home. Tax-effective savings vehicle.
How Long Will It Last?
Use the Drawdown Calculator. Check the average super by age. Read the full superannuation guide.
Track your super in Richify. App Store | Google Play
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