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Picture Book · SMSF, family and later life

Saving a deposit in super

Story pages

A young woman in her late twenties watering a pot plant on the small balcony of a rented apartment
Meet Jess. She's 29, rents in Brisbane and dreams of her first home.
A small wooden toy house sitting inside a glass jar on a sunny windowsill
The First Home Super Saver scheme lets first home buyers save some of a deposit inside super.
A young woman placing coins into a ceramic piggy bank shaped like a little house
Voluntary contributions count: up to $15,000 a year and $50,000 in total (as at 29 October 2026). Her employer's compulsory super doesn't.
A young woman at a kitchen table reading a letter carefully with a cup of tea
When she's ready, she asks the ATO for a determination, then a release, before she signs a contract.
A gentle stream flowing back out of a small reservoir into a garden bed
The money comes back with some deemed earnings, and tax is worked out with a 30% offset.
A young woman standing at the front gate of a small Queenslander cottage looking hopeful
Order matters, so Jess checks the steps before she buys.

The end

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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 29 October 2026. Sources:

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