Division 296: The New Tax on Super Balances Over $3 Million
Division 296 adds an extra tax on realised super fund earnings attributable to balances above $3 million from 1 July 2026 — how it differs from the original 2023 proposal.
The Transition to Retirement Strategy: Reducing Work While Keeping Your Income
How a Transition to Retirement (TRIS) pension combined with salary sacrifice can shift income from marginal tax into the 15% super rate while keeping cash flow steady.
Division 293 Tax: The Extra 15% Super Tax on High Income Earners
Division 293 tax adds an extra 15% on concessional super contributions once combined income exceeds $250,000 — how the threshold works and why heavy salary sacrifice trips it.
Superannuation Preservation Age: The Complete Guide
What superannuation preservation age actually means, every condition of release that can unlock it, how Transition to Retirement works, and what it means for an early retirement timeline.
How Much Super Should You Have at 30, 40, and 50?
Median super balances at 30, 40, and 50 in Australia, benchmarked against the ASFA Comfortable and Modest Retirement Standards and against a faster FIRE trajectory.
How Much Super Do I Need to Retire at 50, 55, or 60?
The exact super balance needed to retire at 50, 55, or 60 in Australia — for three spending levels — plus the bridge portfolio that covers the gap before super unlocks.
How to Retire at 45 in Australia: The Complete 2026 Guide
Retiring at 45 in Australia gives you more runway, more super, and more flexibility than retiring at 40. Here is the exact portfolio strategy, tax structure, and timeline.
How to Retire at 40 in Australia: The Complete 2026 Guide
Retiring at 40 in Australia is achievable on a dual-portfolio strategy — super bridge plus taxable investments. Here’s the exact math, tax structure, and timeline.
What Happens to Your Australian Super If You Leave for FIRE
Leaving Australia for FIRE doesn’t mean losing your super, but the access rules, the 65% DASP trap, and non-resident withdrawal tax all need to be understood before you go.
The Two-Portfolio FIRE Strategy: Retire Before 60 in Australia
Your super is locked until 60, here is the two-portfolio structure Australian FIRE practitioners use to bridge the gap and retire well before then.
