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Insights
Plain-English articles from the FinForce team on Edward Street. Figures are for 2026–27 where stated, with official sources. General information only.
Super
Super contribution caps for 2026–27
The 2026–27 super contribution caps explained: $32,500 concessional, $130,000 non-concessional, bring-forward and carry-forward rules. Sourced from the ATO.
Read →Division 293 tax explained
Division 293 adds 15% tax on concessional super contributions once income plus contributions passes $250,000. How it is worked out and what you can do.
Read →Spouse contributions and splitting
How couples can even out super with spouse contributions, the spouse tax offset and contribution splitting. General information.
Read →Transfer balance cap: $2.1 million for 2026–27
The general transfer balance cap is $2.1 million from 1 July 2026. What it limits, how personal caps work, and why it matters for non-concessional contributions.
Read →Should you consolidate your super?
How to find lost super, compare funds with the ATO YourSuper tool, and what to check before rolling accounts together, especially insurance.
Read →Retirement
The recontribution strategy
What the super recontribution strategy is, who it may suit, and how it can reduce tax on death benefits paid to adult children. General information from FinForce.
Read →Transition to retirement pensions
How a transition to retirement pension works: access from 60, the 4%–10% drawdown range, tax on earnings and when it can help. General information.
Read →Downsizer contributions
If you are 55 or older and sell a home you have owned for 10 years, you may be able to put up to $300,000 each into super. The rules and traps.
Read →Age Pension basics
Who can get the Age Pension, the age (67), income and assets tests and how super is counted. General information with links to Services Australia.
Read →How much super do you need to retire?
A practical way to work out your own retirement number, instead of relying on generic benchmarks. Spending, timing, Age Pension and risks.
Read →SMSF
Is an SMSF right for you?
An honest look at self-managed super funds: control, costs, trustee duties, the sole purpose test and who an SMSF tends to suit. General information.
Read →Business premises in an SMSF
How business owners can hold business real property in an SMSF and lease it back at market rates. The rules, the risks and the steps.
Read →SMSF trustee duties
The main legal duties of SMSF trustees: the sole purpose test, investment strategy, separating assets, records and the annual audit. General information.
Read →Business owners
Selling your business: CGT concessions and super
The four small business CGT concessions, the eligibility tests, and how sale proceeds can go into super. General information for business owners.
Read →A super checklist for business owners
A practical super checklist for Australian business owners in 2026–27: paying yourself, Payday Super, caps, carry-forward and protecting the business.
Read →Payday Super from 1 July 2026
From 1 July 2026 super guarantee must be paid each payday on qualifying earnings. What changed, what to check, and what it means for employees.
Read →Brisbane
How to choose a financial planner in Brisbane
Practical steps for choosing a financial planner in Brisbane: the register, the FSG, fees in writing, process, location and fit.
Read →Financial planning for Brisbane business owners
Where personal wealth, super and the business meet: a guide for Brisbane business owners on paying yourself, protecting the business and planning an exit.
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