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Superannuation is one of the best ways to save for retirement, offering great tax benefits while helping you invest for long-term growth.

As the end of the financial year approaches, it's a good time to think about making extra contributions to your super, which can help reduce your tax bill. There are two main ways to do this:

Salary Sacrifice vs Personal Deductible Contributions (PDCs)

1. Salary Sacrifice:

2. Personal Deductible Contributions (PDCs):

When Should You Choose Each Strategy?

Salary Sacrifice is Best for:

PDCs are Best for:

Combining Salary Sacrifice and PDCs for the Best Outcome

Many people find that using both strategies works best for them:

Conclusion

Both salary sacrifice and PDCs have their advantages, and the right one for you depends on your income, job situation, and how much flexibility you need. Contact us for a personalised guidance to help you avoid common pitfalls and choose the best approach to maximise your super whilst reducing your tax bill before the year ends.