Big Super Changes from 1 July 2026: What Australians Need to Know Before Retirement

From 1 July 2026, two major changes hit the Australian superannuation system simultaneously — and if you have $500K+ in super and are within 10 years of retirement, both of them matter.

In this video I cover:
Concessional cap increase: $30,000 → $32,500
Non-concessional cap: $120,000 → $130,000 | Bring-forward: up to $390,000
The carry-forward concessional contribution opportunity — and the 30 June 2026 expiry deadline
Transfer balance cap: $2.0M → $2.1M and what it means for pension eligibility
Payday Super: what changes for employees, SMSF members, and the self-employed

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📌 General advice disclaimer: This video is general in nature and does not constitute personal financial advice. Please seek advice specific to your circumstances from a licensed financial adviser.

Chapters:
00:00 Introduction
00:45 Why These Super Changes Matter
02:00 Concessional Cap and Carry-Forward Opportunity
04:45 Non-Concessional Cap and Bring-Forward Rule
06:00 Transfer Balance Cap Increases to $2.1M
07:10 Payday Super Explained
08:30 Action Checklist Before and After 1 July 2026
09:30 Key Takeaway and Final Thoughts
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DISCLAIMER
The content on The Wealth Planning Centre and Astonia Private Wealth YouTube channel is provided as general advice only. It does not take into account your personal objectives, financial situation, or needs. You should always consider your own circumstances and seek personalised financial advice before making any financial decisions.

General advice is provided by Astonia Private Wealth Pty Ltd, trading as Astonia Private Wealth, an Authorised Representative of GPS Wealth Ltd (AFSL 254544).

Before acting on any information, please seek professional advice and confirm our interpretations. Any calculators, tools, or content featured on this website or in our videos should be used as a guide only and assessed for their relevance to your personal situation.
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Видео Big Super Changes from 1 July 2026: What Australians Need to Know Before Retirement канала Vineet Singh CFP®