47% Tax vs 15% Super: Save $16k (Australia)

📥 Download the Excel template here:

https://docs.google.com/spreadsheets/d/1O9w7FUkelaYJZWBRHbpfnj12e0Pv4pp4/edit?usp=sharing&ouid=101158324406109745296&rtpof=true&sd=true

In this video, I show you 3 legal ways Australians can use superannuation contributions to minimize their tax bill. Instead of paying 47% at the highest marginal rate, you can pay just 15% inside super.

🔥 WHAT YOU'LL LEARN:
0:00 – Introduction
0:45 – Concessional vs Non-Concessional Explained
1:30 – Strategy 1: Salary Sacrificing (Excel walkthrough)
3:00 – Strategy 2: Personal Deductible Contributions
4:30 – Strategy 3: Carry‑Forward Rule (Best for property sales)
6:00 – Critical Traps (Don't miss these)
7:00 – Comparison & Call to Action

💰 TAX SAVINGS EXAMPLE:
• No contribution → $84,600 tax
• Salary sacrifice $20k → $78,200 tax (save $6,400)
• Personal + carry‑forward $50k → $68,600 tax (save $16,000)

⚠️ CRITICAL RULES:
1. Money must be received by super fund by June 30
2. Lodge Notice of Intent form before filing tax return
3. Don't exceed contribution caps
4. Carry‑forward only works if super balance is under $500,000

📌 RELATED VIDEOS:
• [Insert link] How to Use Debt Recycling to Build Wealth
• [Insert link] Australian Property Tax Deductions Explained

⚠️ DISCLAIMER:
This is general information only and does not constitute financial advice. You should seek professional advice tailored to your specific situation before making any financial decisions.

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Видео 47% Tax vs 15% Super: Save $16k (Australia) канала Financial Tutorials