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
And then they started reintroducing limits and we're back to like, oh, wait a second, it's really important that we equalize it.
What goes around comes around and super happens.
Well, no.
So there's a thing called the maximum contribution base, which has existed forever.
I had to go check the numbers.
And your employer is not obligated to make SG contributions once you earn more than $62,500 a quarter.
That's indexed each year.
That comes to $250,000 a year.
So they're not obligated to contribute for you above 250.
So you don't automatically get 36 grand.
You have to have an employer who's willing to pay over and above the maximum contribution base.
So I would ask that question first.
You may not be getting anything over 250 because there's no obligation under the law to pay that.
No.
And so you would say, may I please take that in salary instead?
Although I should note that if you were taking it in salary instead, you're going to be paying 47 cents in the dollar, which is worse than you would be paying if it were going to be up to you.
No, I would call out something else as well, which is you can't put into a calculator, or you can, but in a way that is very difficult to make it easily understood by the average person.
It's a thing called sequencing risk.
So they assume a standard return every single year.
Unfortunately, that's not how the world works at all.
Showing 881–900 of 925 · page 45 of 47
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