Superannuation UPDATE - New Rates & Rules from 1 July 2026

Australian Superannuation Update 1 July 2026 - 10 updates covered include the SG rate, Payday Super, the new concessional cap, non-concessional cap, bring-forward rules, the transfer balance cap, government co-contribution, carry-forward rules, and Division 296 tax. 📚RESOURCES MENTIONED IN THIS VIDEO: ATO Co-contribution Calculator https://www.ato.gov.au/single-page-ap... ►How Much You Need to Retire Before 60 in Australia (Step-by-Step Guide)    • How Much You Need to Retire Before 60 in A...   Download the early retirement calculator here → https://ruishi.gumroad.com/l/early-re... 🍿 WATCH NEXT: ►How Superannuation Affects Your Age Pension    • How Superannuation Affects Your Age Pension   ►How to Use Transition to Retirement Strategy Effectively    • How to Use Transition to Retirement Strate...   ►Division 296 Tax, Clearly Explained    • Division 296 Tax, Clearly Explained   ►How to Use Transition to Retirement Strategy Effectively    • How to Use Transition to Retirement Strate...   🎁DEALS & FREEBIES FOR YOU: ✅Free Tools & Downloads From My Videos http://ruishi.gumroad.com ✅Moomoo: Special Link: https://start.moomoo.com/OZRuiShi 1. $0 brokerage for 30 days 2. Get up to 38 free full & fractional shares when meeting their requirements 3. Bonuses of up to $2,000 in stock cash coupons and the equivalent of a free iPhone 17 Pro in gift card value, when you transfer stocks in from another brokerage (minimum $10,000 AUD, rewards depend on the total stocks transferred in). Subject to the applicable terms and conditions. Use this link to sign up: https://start.moomoo.com/OZRuiShi ✅Stake: My referral Code: ruis956 Get $1 off your Aus brokerage for 12 months OR a free Wall St stock. ✅Pearler: Special Link: https://pearler.com/invited/RUI242410 My referral Code: RUI242410 $20 Cash Bonus Use this link to sign up: https://pearler.com/invited/RUI242410 ✅Webull Special Link: https://www.webull.com.au/s/U1yauBmYk... ✅Sharesight: Save 4 months when you purchase an annual paid plan Use this link to sign up: https://www.sharesight.com/au/wealthc... ✅Navexa: 25% off the first year Use this link to sign up: https://www.navexa.com/rui-shi ✅Xero: Get 90% off your subscription for 6 months Use this link to sign up: https://referrals.xero.com/bahmxukba9lt ✅ProjectionLab: Aussie DIY tools for retirement & financial planning https://projectionlab.com?ref=rui36 Disclaimer: Some of the links and codes provided are affiliate or referral links. They won’t cost you anything extra, but if you use them, I may earn a small commission or bonus, which helps support my channel. Thank you! 🙏 👩🏻WHO AM I? Hey 👋 I’m Rui, a financial planner-turned-financial educator. Through my videos here on this channel, I provide practical and actionable information to help you make informed money decisions. 💌Subscribe    / @ozruishi   💛If you enjoy my content, you can now support me here with a coffee ☕https://buymeacoffee.com/ruishi #SuperannuationFY26 #retirementplanning #SuperannuationChanges ⌚️Timestamps: 00:00 Intro 00:16 1. Superannuation Guarantee Contribution 00:59 2. Payday Super 01:52 3. Maximum Contribution Base 02:44 4. Concessional Contribution Cap 03:40 5. Carry Forward Concessional Contributions 05:27 Bonus Tip: Effective tax-free threshold for FY27 06:26 6. Non-concessional Contribution 07:28 7. Bring Forward Rules 08:35 8. General Transfer Balance Cap 09:43 9. Government Co-contribution 10:56 10. Division 296 Tax 📚Disclaimer This video is for educational purposes only and is not intended as financial advice. Before acting on any information, you should seek professional advice and verify my interpretations before relying on the content or calculations in the videos, while also considering its appropriateness in relation to your personal situation.