carry-forward contributions

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Keeping on track financially in your 40s

Your 40s are the decade where the gap between your current super balance and a comfortable retirement becomes impossible to ignore, and the strategies you put in place now have the most time to compound before you need them.

Super top up: The smartest tax move you’re probably not making

Most Australians rely on their employer's 12% super contribution and leave significant tax savings on the table, but voluntary top-up strategies like salary sacrifice, carry-forward contributions, and the government co-contribution can make a meaningful difference to your retirement outcome.