Super boosting strategies to take into 2025

By Mozo Editorial · · 2 min read
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Building a comfortable retirement takes strategic planning and smart decisions about your superannuation. Whether you’re just starting your career or counting down to retirement, understanding how to maximise your super contributions and optimise your investment strategy can significantly impact your future financial security.  

Super Strategies for 2025

Smart super strategies can help boost your retirement balance. From taking advantage of tax-friendly concessional contributions, to government co-contributions, there are plenty of ways to grow your super in 2025.

1. Leverage the super guarantee increase

The 0.5% increase in employer contributions from July 2025 presents an opportunity to reassess your contribution strategy. Consider maintaining your current personal contribution levels even as employer contributions increase, effectively boosting your overall super savings.

2. Maximise concessional contributions

Take full advantage of the concessional contributions cap by combining: 

This strategy is a tax-advantaged way of building your retirement savings, as contributions are typically taxed at just 15% rather than your marginal tax rate.

3. Utilise catch-up contributions

If you haven't reached your concessional contributions cap in previous years, 2025 could be your year to make catch-up contributions. This is particularly valuable if you:

  • Have recently received a pay increase 
  • Are returning to work after a break
  • Have additional capacity to contribute.

4. Consider non-concessional contributions

For those who have maximised their concessional contributions, non-concessional contributions offer another avenue for super growth. The bring-forward rule allows eligible individuals to make larger contributions by using up to three years' worth of caps at once.

5. Access government co-contributions

If your income falls below the threshold, you may be eligible for government co-contributions. This is money from the government for lower income earners that directly boosts your super balance - an opportunity not to be missed in 2025.

Tips for different life stages

Your super strategy should evolve as you move through different stages of your career. Here's some ways you can make the most of your super at different age ranges:

Young professionals

  • Focus on growth-oriented investment options
  • Start salary sacrifice arrangements early
  • Consider the long-term impact of fees
  • Take advantage of the full Super Guarantee increase

Mid-Career

  • Utilise catch-up contributions
  • Review and consolidate multiple super accounts
  • Optimise investment mix for your time horizon
  • Consider spouse contribution splitting

Pre-Retirees

  • Explore downsizer contributions if eligible
  • Review investment mix for appropriate risk levels
  • Maximise concessional contributions
  • Consider transition to retirement strategies

Choosing a super fund

Selecting the right super fund also matters for your retirement savings. Here's what to look for when comparing your options:

Performance 

  • Review long-term fund performance (5+ years)
  • Compare fees across different funds
  • Assess investment options and flexibility
  • Consider insurance offerings and costs

Investment Options

  • Review your current investment mix
  • Assess whether your risk profile matches your life stage
  • Consider sustainable or ethical investment options
  • Evaluate the need for professional financial advice

Superannuation steps for 2025

As we move into 2025, getting the right super settings means significant opportunities for building retirement wealth. To make the most of these opportunities, keep these things in mind:

  • Always be mindful of contribution caps
  • Consider seeking professional financial advice
  • Review your strategy regularly
  • Stay informed about legislative changes
  • Monitor fund performance and fees

By taking a proactive approach and implementing these strategies while keeping these considerations in mind, you can make the most of both the system changes and your personal circumstances to boost your super balance effectively.

Head over to our super comparison page and check out some providers today.

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