Financial Planning
Insights & Advice

The five years before retirement are the most important financial window of your working life. The decisions you make about your super right now, from contribution strategies to investment mix to sequencing risk, will shape your retirement income for decades. This guide covers exactly what to do with your super 5 years before retirement in Australia, with current 2026 rules, real numbers, and the strategies that make the biggest difference.

Salary sacrifice super is one of the most effective tax strategies available to Australian workers and most people either don’t do it at all or don’t do it properly. Here’s a plain-English guide to how it works, how much tax you save at different income levels, the $30,000 concessional cap, catch-up contributions, and how to set it up with your employer.