Gemma Dale
speaker
925 appearances
2 recordings
2 series
first heard Jun 2026
last heard 18 Jun
Gemma Dale’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 2 in all, peaking in Jun 2026 with 2.
Appearances
You didn't have that option.
That's why I mention it, because people may remember the old system where, as an employee, you could only do it as salary sacrifice.
Now you can do it either way.
So there's also after-tax contributions.
These are harder to justify, I think, when you have cash flow challenges, right?
When you're younger and you don't have a lot of additional income, the idea of putting in money on an after-tax basis is hard.
But as you get closer to retirement and your cash flows hopefully improve, particularly if you have a windfall, you can, and we see this a lot where people sell a property, they downsize.
So there's a downsizer contribution that's quite attractive if you're older.
I won't go into too much detail on that, but it is a really good one.
There's a downsizer contribution, but you can also often, what we see with people is a seller property.
That's the usual example.
Seller property, you've got a capital gain that you want to reduce.
You can use your concessional contribution of $30,000, including your SG, to offset or reduce some of the assessable gain.
But the remainder you can contribute as a non-concessional contribution.
So this is an after-tax contribution.
And this is then inside super, the earnings on that are capped at 15 cents in the dollar.
which is really attractive rather than being taxed in your own name, any gains on that or any kind of income on that is taxed at your own marginal rate.
So it's very attractive as you get closer to retirement.
And we see a lot of couples doing this sort of thing where we've got a windfall close to retirement, we're sort of moving our assets around and we'll just split the contributions in half so you get some and I get some and we both benefit from increasing our super balances before retirement.
So those ones are capped as well, but you can do three years' worth in one year.
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