How to Use Your Super Fund to Save Tax (Post Election Update)

For your 30 min FREE consult with Chris Jahn to discuss SMSF and if its right for you, go to http://www.jahnsuper.com.au/

Here's what you will learn in this episode:

The “Unrealised Gains” Tax is a Real Threat… But Not for Everyone (Yet)

The new proposal to tax unrealised gains on super balances over $3 million has spooked many—especially farmers and landowners. But Chris clarifies that this only applies to individuals with $3M+ in super ($6M per couple), meaning most Aussies aren’t immediately affected. Still, the principle of changing the rules mid-game has created deep distrust in the system. 9 Out of 10 Aussies Are Missing Major Tax-Saving Strategies Chris sees firsthand that most Australians are leaving tens or even hundreds of thousands of dollars on the table by not using available super tax strategies. Examples include:

• Personal deductible contributions

• Catch-up concessional contributions from previous 5 years

• Recontribution strategies to reduce death benefits tax

Financially Savvy Clients Are Exploiting These 7 Underused Strategies

Chris outlined seven proven (but underutilized) tax strategies:

1. Personal concessional contributions (17%–32% return via tax savings)

2. Catch-up of unused concessional caps (up to 5 years back)

3. Non-concessional contributions (up to $120K/year or $360K over 3 years)

4. Starting a pension phase at 60 (to make super income tax-free)

5. Re-contribution strategy (to minimize tax for beneficiaries)

6. Splitting super contributions with a spouse (get earlier access)

7. Transition to Retirement strategy (drawing tax-free while still working)

Most Accountants Are Gagged from Giving Super Advice Due to over-regulation, accountants are banned from giving advice on super contributions—even basic tips like, “You should contribute $10K before EOFY.” With only ~15,000 financial advisors servicing 10 million working Australians (and many charging steep fees), the average Aussie is flying blind—disempowered by design. Self-Managed Super Funds (SMSFs) Offer a “Financial Lifeboat” for the Awake Chris confirms that SMSFs still provide the most control, flexibility, and sovereignty, especially for those who want to:

• Avoid investing in BlackRock/Vanguard-aligned managed funds

• Allocate into hard assets like gold, silver, crypto, or farmland

• Align their money with their values in a rapidly shifting world

Even with regulatory red tape, Chris says SMSFs remain one of the last legal strongholds of financial freedom in Australia.

Chapters

00:00 Navigating Changes in Self-Managed Super

02:39 Tax Planning Strategies for Superannuation

05:29 Understanding Superannuation Contributions

08:12 Maximizing Tax Benefits through Contributions

11:07 Advanced Strategies for Superannuation Management

13:57 The Importance of Financial Advisors

16:39 Finding Trustworthy Financial Guidance

19:22 The Role of Self-Managed Super in Financial Resilience

22:24 Empowering Financial Decisions

25:01 The Future of Self-Managed Super

Disclaimer: This information is for education purposes and does not constitute financial advice. The advice is general in nature and people will have to seek there own advice or advisors to ascertain if the strategies maybe applicable to them.

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