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Superannuation will play a critical role in the financial future of all Australians. Simply contributing to super isn’t enough. To make the most of your fund — particularly if you manage your own Self-Managed Super Fund (SMSF) — you need to be strategic, tax-smart and forward-looking. The good news? There are proven ways to optimise your super at every life stage.

As the end of financial year approaches, savvy Australians are looking for ways to maximise their retirement wealth — and avoid giving more than necessary to the tax office. One little-known superannuation rule could allow eligible Aussies to tip in an extra $25,500 before June 30 — even if they’ve already hit this year’s $27,500 concessional cap. Known as the “carry forward” rule, this strategy can lead to thousands in tax savings and faster retirement growth.

The government is considering further changes to the superannuation system, building on recently legislated tax on super balances over $3 million. This signals a clear shift in how Canberra views super: not just as a vehicle for retirement income, but as a source of revenue and redistribution. For Self Managed Super Fund trustees and high-balance investors, the writing is on the wall — and strategic planning is more important than ever.

With over 610,000 Self Managed Super Funds (SMSFs) now active in Australia, more trustees are asking a vital question: how does my fund compare to others like it? Benchmarking is no longer just for large institutions—it’s increasingly essential for SMSF trustees seeking better outcomes in retirement.