Super at every stage – 35 to 45

SMSF technical expert and columnist for The Australian newspaper
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Key points

  • Taking control early and consolidating accounts can help magnify your balance early on.
  • Take advantage of government schemes – such as the co-contribution, and salary sacrifice when you can.
  • Work out whether you might be better off using extra cash to contribute to super instead of your mortgage.


People constantly ask me how to make sure they’ll have enough in retirement. It’s a tough question, and there are no easy answers. But there are things you can start doing, and make sure you’re on top of, from about the age of 35 onwards.

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