Ben De Rosa

speaker

357 appearances 1 recordings 1 series first heard Jun 2026 last heard 3 Jun

Ben De Rosa’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Jun 2026 with 1.

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money money money · your tax questions answered: what to do before 30 June · 3 Jun 2026 podcast

But from a tax perspective,

Yes, it is still beneficial to go over the cap, over the $30,000 cap, especially if you've got the carry forward.

So if your super balance is under the $500,000, you potentially have carry forward from the previous years that you can use to go over that $30,000 cap.

And generally from a tax perspective, it is still worth it.

If you breach your cap plus any excess carry forward,

it's generally not worth it because then you've got an excess contributions tax, which will then, that amount of money will just come straight back into tax return.

You get taxed at 47%.

So generally it's not worth it.

But if, yeah, I would recommend seeing a financial planner.

It kind of leans into that territory and you would have a conversation from that point.

Yes.

I would agree on your general advice.

That was very good.

He'll make a great reel.

Yeah, I think you can't choose whether you apply the loss or not to your gains.

You would record the loss in your tax return if you've sold the shares.

It would then be applied against any gains that you've made from a capital nature.

You can't necessarily be like, actually, I'm only earning 20 grand this year and I want those gains to be included because I'm in a lower tax bracket.

I'm going to hold on to these losses to the previous year.

You have to apply them in the year if there's capital gains.

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