Your five-point super plan for EOFY
'If you're paying 30 per cent tax or higher, you may want to consider salary sacrificing or a personal super contribution,' Cross says.
'You'll likely save on your tax by getting contributions taxed at just 15 per cent in super instead of your marginal rate.
'If you're in a lower tax bracket, after-tax contributions might be more effective, especially if you're eligible for government co-contributions.'
You'll also need to look at how much of your $30,000 concessional contribution cap you've already used this year, including your employer's contributions.
You may be able to use unused cap space from the previous five years to make a larger concessional contribution this year.
After-tax contributions allow you to place larger amounts into super.
'You can choose to use a combination of concessional and after-tax contributions up to the limits allowed,' Cross says. 'What is most advantageous for you will depend on your personal situation.'
What are some common EOFY mistakes?
One of the most common EOFY mistakes, Cross says, is failing to lodge a notice of intent to claim a deduction.
'If you make a personal contribution and want to claim a tax deduction, you must submit a formal notice to your fund before lodging your tax return.'
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Exceeding the $30,000 concessional contribution cap is another mistake – and can be a costly one. 'Exceeding the cap can lead to additional tax and charges,' Cross says.
Not taking advantage of the carry-forward rules and not taking advantage of government initiatives are also common errors.
'There are several government incentives that you could consider, like the government co-contribution, spouse contribution tax offset, and the low-income super tax offset... it's worth exploring to see how you might be able to benefit.'
Super goals for the next financial year
If you want to make next financial year a prosperous one for your super, Cross recommends a five-point plan:
Seek expert advice and engage with your super fund. 'This can lead to higher super balances, better investment outcomes, and more financial security in the longer term.'
Boost your super with voluntary contributions. 'You can stop and start whenever it suits and adjust how much you contribute based on your circumstances.'
Review and update your nominated beneficiaries. ' Make sure your nominated beneficiaries are up to date and correctly recorded with your super fund.'
Check how your super is invested. 'It's worth checking whether your current mix aligns with your stage of life, financial goals and comfort with risk.'
Consolidate. 'If you have multiple super accounts, consolidating them could help you save on fees and boost your retirement savings. Before making the move, think about potential impacts like losing insurance cover from another fund, how it might affect your investment strategy, and any tax implications.'
Elkins says it's important to engage with super and take action, rather than just assume your super will look after itself.
'The default settings we have in this country, like the compulsory superannuation guarantee and MySuper are fantastic – they are the envy of the world,' she says.
'But they can create that 'she'll be right, mate' attitude, and can stop people from engaging and doing a little bit of work to think: am I maximising my opportunities?'
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It moulds to fit your body's unique curves by offering a better pressure distribution. The foam then creates pathways for air to flow in-and-out while retaining the classic comfort of memory foam. An ergonomically designed Comfort HRX foam layer adapts to your body and perfectly distributes body pressure, allowing you to sleep comfortably regardless of your build or sleeping position. Pocket springs throughout the mattress also maximise airflow between you and your mattress, cooling your body to an airy sleep. Plus, the anti-slip bottom layer of the cover offers enhanced stability for a decade full of quality sleep. Buy now: Emma Comfort Plus Mattress A mattress is only as good as the sum of its parts. And because Emma Sleep has so much trust in their products, they give all Emma mattresses a 10-year manufacturer warranty. For customers in metro areas, Emma Sleep offers free delivery with a delivery time frame of between one to three days. For regional customers, the expected delivery time is between four and 10 days. Worried you can't return a mattress? It turns out you can with Emma Sleep. Once your new Emma Mattress arrives, you can have a 150 night trial to decide whether or not it's the perfect mattress for you. If you like it, you simply keep it. If your Emma Mattress does not suit you, feel free to return it. Just contact Emma Sleep via email, and they'll collect it at your delivery address at no cost to you, as well as refund the full amount. Last year, it took Emma Sleep 21 days to process refunds. Starting April 2025, they've cut that down to just five days, which means that getting a refund from Emma Sleep has become much faster and easier for Australians.* To view the full refund policy, read the terms and conditions on their website or view their 150 nights return policy. Shop the up to 55 per cent off Emma Sleep sale. *This timeline indicates # of business days when the refund process from the Emma side is done, not when the customer will receive the refund. The speed of receiving the refund depends on the payment method used. These items are hand-picked to make your shopping experience easier. ACM may be provided with compensation from affiliate partners if you click through. Emma Sleep has kicked off its end-of-financial-year sale, with up to 55 per cent off select mattresses until June 16 - making it one of the brand's biggest offers of the year. According to sleep experts, the average mattress lasts just seven to 10 years, meaning many Australians may be overdue for an upgrade. If your bed has started to sag, squeak or simply isn't as comfortable as it used to be, it could be affecting more than just your sleep. Research from the Journal of Chiropractic Medicine shows that replacing your mattress can reduce back pain by 48 per cent and sleep quality by 55 per cent. And with 71 per cent of Australians expected to shop the EOFY sales this year, the rush is on to secure a better night's sleep - at a fraction of the price. Below, we reveal the top mattress deals from Emma Sleep and how each design can assist you with having a rocking night's rest this year. The Emma Sleep Luxe line is the luxurious, medium-soft, best-selling mattress of the Emma Sleep collection, now retailing for 55 per cent off (was $1800, now $810). The Luxe line contains advanced Thermosync technology, which helps dissipate heat to maintain your ideal sleep temperature. It provides cooling via thermoregulation, helping you stay remarkably cool during summer heat waves. The mattresses also contain seven-zoned support which evenly distributes pressure across the different areas of your body. This means that you can experience a new kind of comfort with progressive firmness as your body meets the top of the mattress and sinks into a sturdy, supportive base. It also adapts to your body shape allowing you to move freely and effortlessly at night. If there are multiple people in bed, the mattress isolates movement for each individual, leaving the other unaffected - so everybody wins. Emma Sleep mattresses undergo several tests in their sleep laboratories to design the Luxe line which offers 27cm of quality memory foam and pocket springs. Buy now: Emma Sleep Luxe Mattress The Emma Comfort Plus Mattress is an award-winning, multi-layered, medium-firm mattress, retailing for 45 per cent off (was $1200, now $660) this EOFY. The Emma Comfort Plus Mattress features five layers of material designed for optimum comfort and sleep quality. Starting with the UltraDry™ Breathable Cover, this is an elastic cover that's both breathable and soft to the touch, allowing you to keep your body comfy and dry. The second Aerofoam layer absorbs and swishes out excess body heat to create an ideal sleep environment for undisturbed sleep. The third Memory Adapt foam layer helps you to easily find and stay in your favourite sleep position. It moulds to fit your body's unique curves by offering a better pressure distribution. The foam then creates pathways for air to flow in-and-out while retaining the classic comfort of memory foam. An ergonomically designed Comfort HRX foam layer adapts to your body and perfectly distributes body pressure, allowing you to sleep comfortably regardless of your build or sleeping position. Pocket springs throughout the mattress also maximise airflow between you and your mattress, cooling your body to an airy sleep. Plus, the anti-slip bottom layer of the cover offers enhanced stability for a decade full of quality sleep. Buy now: Emma Comfort Plus Mattress A mattress is only as good as the sum of its parts. And because Emma Sleep has so much trust in their products, they give all Emma mattresses a 10-year manufacturer warranty. For customers in metro areas, Emma Sleep offers free delivery with a delivery time frame of between one to three days. For regional customers, the expected delivery time is between four and 10 days. Worried you can't return a mattress? It turns out you can with Emma Sleep. Once your new Emma Mattress arrives, you can have a 150 night trial to decide whether or not it's the perfect mattress for you. If you like it, you simply keep it. If your Emma Mattress does not suit you, feel free to return it. Just contact Emma Sleep via email, and they'll collect it at your delivery address at no cost to you, as well as refund the full amount. Last year, it took Emma Sleep 21 days to process refunds. Starting April 2025, they've cut that down to just five days, which means that getting a refund from Emma Sleep has become much faster and easier for Australians.* To view the full refund policy, read the terms and conditions on their website or view their 150 nights return policy. Shop the up to 55 per cent off Emma Sleep sale. *This timeline indicates # of business days when the refund process from the Emma side is done, not when the customer will receive the refund. The speed of receiving the refund depends on the payment method used. These items are hand-picked to make your shopping experience easier. ACM may be provided with compensation from affiliate partners if you click through. Emma Sleep has kicked off its end-of-financial-year sale, with up to 55 per cent off select mattresses until June 16 - making it one of the brand's biggest offers of the year. According to sleep experts, the average mattress lasts just seven to 10 years, meaning many Australians may be overdue for an upgrade. If your bed has started to sag, squeak or simply isn't as comfortable as it used to be, it could be affecting more than just your sleep. Research from the Journal of Chiropractic Medicine shows that replacing your mattress can reduce back pain by 48 per cent and sleep quality by 55 per cent. And with 71 per cent of Australians expected to shop the EOFY sales this year, the rush is on to secure a better night's sleep - at a fraction of the price. Below, we reveal the top mattress deals from Emma Sleep and how each design can assist you with having a rocking night's rest this year. The Emma Sleep Luxe line is the luxurious, medium-soft, best-selling mattress of the Emma Sleep collection, now retailing for 55 per cent off (was $1800, now $810). The Luxe line contains advanced Thermosync technology, which helps dissipate heat to maintain your ideal sleep temperature. It provides cooling via thermoregulation, helping you stay remarkably cool during summer heat waves. The mattresses also contain seven-zoned support which evenly distributes pressure across the different areas of your body. This means that you can experience a new kind of comfort with progressive firmness as your body meets the top of the mattress and sinks into a sturdy, supportive base. It also adapts to your body shape allowing you to move freely and effortlessly at night. If there are multiple people in bed, the mattress isolates movement for each individual, leaving the other unaffected - so everybody wins. Emma Sleep mattresses undergo several tests in their sleep laboratories to design the Luxe line which offers 27cm of quality memory foam and pocket springs. Buy now: Emma Sleep Luxe Mattress The Emma Comfort Plus Mattress is an award-winning, multi-layered, medium-firm mattress, retailing for 45 per cent off (was $1200, now $660) this EOFY. The Emma Comfort Plus Mattress features five layers of material designed for optimum comfort and sleep quality. Starting with the UltraDry™ Breathable Cover, this is an elastic cover that's both breathable and soft to the touch, allowing you to keep your body comfy and dry. The second Aerofoam layer absorbs and swishes out excess body heat to create an ideal sleep environment for undisturbed sleep. The third Memory Adapt foam layer helps you to easily find and stay in your favourite sleep position. It moulds to fit your body's unique curves by offering a better pressure distribution. The foam then creates pathways for air to flow in-and-out while retaining the classic comfort of memory foam. An ergonomically designed Comfort HRX foam layer adapts to your body and perfectly distributes body pressure, allowing you to sleep comfortably regardless of your build or sleeping position. Pocket springs throughout the mattress also maximise airflow between you and your mattress, cooling your body to an airy sleep. Plus, the anti-slip bottom layer of the cover offers enhanced stability for a decade full of quality sleep. Buy now: Emma Comfort Plus Mattress A mattress is only as good as the sum of its parts. And because Emma Sleep has so much trust in their products, they give all Emma mattresses a 10-year manufacturer warranty. For customers in metro areas, Emma Sleep offers free delivery with a delivery time frame of between one to three days. For regional customers, the expected delivery time is between four and 10 days. Worried you can't return a mattress? It turns out you can with Emma Sleep. Once your new Emma Mattress arrives, you can have a 150 night trial to decide whether or not it's the perfect mattress for you. If you like it, you simply keep it. If your Emma Mattress does not suit you, feel free to return it. Just contact Emma Sleep via email, and they'll collect it at your delivery address at no cost to you, as well as refund the full amount. Last year, it took Emma Sleep 21 days to process refunds. Starting April 2025, they've cut that down to just five days, which means that getting a refund from Emma Sleep has become much faster and easier for Australians.* To view the full refund policy, read the terms and conditions on their website or view their 150 nights return policy. Shop the up to 55 per cent off Emma Sleep sale. *This timeline indicates # of business days when the refund process from the Emma side is done, not when the customer will receive the refund. The speed of receiving the refund depends on the payment method used. These items are hand-picked to make your shopping experience easier. ACM may be provided with compensation from affiliate partners if you click through. Emma Sleep has kicked off its end-of-financial-year sale, with up to 55 per cent off select mattresses until June 16 - making it one of the brand's biggest offers of the year. According to sleep experts, the average mattress lasts just seven to 10 years, meaning many Australians may be overdue for an upgrade. If your bed has started to sag, squeak or simply isn't as comfortable as it used to be, it could be affecting more than just your sleep. Research from the Journal of Chiropractic Medicine shows that replacing your mattress can reduce back pain by 48 per cent and sleep quality by 55 per cent. And with 71 per cent of Australians expected to shop the EOFY sales this year, the rush is on to secure a better night's sleep - at a fraction of the price. Below, we reveal the top mattress deals from Emma Sleep and how each design can assist you with having a rocking night's rest this year. The Emma Sleep Luxe line is the luxurious, medium-soft, best-selling mattress of the Emma Sleep collection, now retailing for 55 per cent off (was $1800, now $810). The Luxe line contains advanced Thermosync technology, which helps dissipate heat to maintain your ideal sleep temperature. It provides cooling via thermoregulation, helping you stay remarkably cool during summer heat waves. The mattresses also contain seven-zoned support which evenly distributes pressure across the different areas of your body. This means that you can experience a new kind of comfort with progressive firmness as your body meets the top of the mattress and sinks into a sturdy, supportive base. It also adapts to your body shape allowing you to move freely and effortlessly at night. If there are multiple people in bed, the mattress isolates movement for each individual, leaving the other unaffected - so everybody wins. Emma Sleep mattresses undergo several tests in their sleep laboratories to design the Luxe line which offers 27cm of quality memory foam and pocket springs. Buy now: Emma Sleep Luxe Mattress The Emma Comfort Plus Mattress is an award-winning, multi-layered, medium-firm mattress, retailing for 45 per cent off (was $1200, now $660) this EOFY. The Emma Comfort Plus Mattress features five layers of material designed for optimum comfort and sleep quality. Starting with the UltraDry™ Breathable Cover, this is an elastic cover that's both breathable and soft to the touch, allowing you to keep your body comfy and dry. The second Aerofoam layer absorbs and swishes out excess body heat to create an ideal sleep environment for undisturbed sleep. The third Memory Adapt foam layer helps you to easily find and stay in your favourite sleep position. It moulds to fit your body's unique curves by offering a better pressure distribution. The foam then creates pathways for air to flow in-and-out while retaining the classic comfort of memory foam. An ergonomically designed Comfort HRX foam layer adapts to your body and perfectly distributes body pressure, allowing you to sleep comfortably regardless of your build or sleeping position. Pocket springs throughout the mattress also maximise airflow between you and your mattress, cooling your body to an airy sleep. Plus, the anti-slip bottom layer of the cover offers enhanced stability for a decade full of quality sleep. Buy now: Emma Comfort Plus Mattress A mattress is only as good as the sum of its parts. And because Emma Sleep has so much trust in their products, they give all Emma mattresses a 10-year manufacturer warranty. For customers in metro areas, Emma Sleep offers free delivery with a delivery time frame of between one to three days. For regional customers, the expected delivery time is between four and 10 days. Worried you can't return a mattress? It turns out you can with Emma Sleep. Once your new Emma Mattress arrives, you can have a 150 night trial to decide whether or not it's the perfect mattress for you. If you like it, you simply keep it. If your Emma Mattress does not suit you, feel free to return it. Just contact Emma Sleep via email, and they'll collect it at your delivery address at no cost to you, as well as refund the full amount. Last year, it took Emma Sleep 21 days to process refunds. Starting April 2025, they've cut that down to just five days, which means that getting a refund from Emma Sleep has become much faster and easier for Australians.* To view the full refund policy, read the terms and conditions on their website or view their 150 nights return policy. Shop the up to 55 per cent off Emma Sleep sale. *This timeline indicates # of business days when the refund process from the Emma side is done, not when the customer will receive the refund. The speed of receiving the refund depends on the payment method used.
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- The Age
Your five-point super plan for EOFY
'If you're paying 30 per cent tax or higher, you may want to consider salary sacrificing or a personal super contribution,' Cross says. 'You'll likely save on your tax by getting contributions taxed at just 15 per cent in super instead of your marginal rate. 'If you're in a lower tax bracket, after-tax contributions might be more effective, especially if you're eligible for government co-contributions.' You'll also need to look at how much of your $30,000 concessional contribution cap you've already used this year, including your employer's contributions. You may be able to use unused cap space from the previous five years to make a larger concessional contribution this year. After-tax contributions allow you to place larger amounts into super. 'You can choose to use a combination of concessional and after-tax contributions up to the limits allowed,' Cross says. 'What is most advantageous for you will depend on your personal situation.' What are some common EOFY mistakes? One of the most common EOFY mistakes, Cross says, is failing to lodge a notice of intent to claim a deduction. 'If you make a personal contribution and want to claim a tax deduction, you must submit a formal notice to your fund before lodging your tax return.' Loading Exceeding the $30,000 concessional contribution cap is another mistake – and can be a costly one. 'Exceeding the cap can lead to additional tax and charges,' Cross says. Not taking advantage of the carry-forward rules and not taking advantage of government initiatives are also common errors. 'There are several government incentives that you could consider, like the government co-contribution, spouse contribution tax offset, and the low-income super tax offset... it's worth exploring to see how you might be able to benefit.' Super goals for the next financial year If you want to make next financial year a prosperous one for your super, Cross recommends a five-point plan: Seek expert advice and engage with your super fund. 'This can lead to higher super balances, better investment outcomes, and more financial security in the longer term.' Boost your super with voluntary contributions. 'You can stop and start whenever it suits and adjust how much you contribute based on your circumstances.' Review and update your nominated beneficiaries. ' Make sure your nominated beneficiaries are up to date and correctly recorded with your super fund.' Check how your super is invested. 'It's worth checking whether your current mix aligns with your stage of life, financial goals and comfort with risk.' Consolidate. 'If you have multiple super accounts, consolidating them could help you save on fees and boost your retirement savings. Before making the move, think about potential impacts like losing insurance cover from another fund, how it might affect your investment strategy, and any tax implications.' Elkins says it's important to engage with super and take action, rather than just assume your super will look after itself. 'The default settings we have in this country, like the compulsory superannuation guarantee and MySuper are fantastic – they are the envy of the world,' she says. 'But they can create that 'she'll be right, mate' attitude, and can stop people from engaging and doing a little bit of work to think: am I maximising my opportunities?'
