SMSF News and Strategies Podcast Show · Chris Reed: Certified Practicing Accountant (CPA), FPS and SMSF Specialist Advisor, Director of Business Concepts Group

SMSF NS127: The 2025 federal budget and your end of year planning strategies

·22 min·2 clips

After the opening disclaimer and episode setup, Chris Reid calls it a 2025 federal budget special, then admits there is virtually nothing about super in the budget. So the show turns to the stuff that can bite around year-end: contributions, pensions, and caps. Contributions come first. Sarah Powell runs through the kinds of cash that might tempt someone to act, including a property sale, a capital gain, or an inheritance. The advice is blunt: don't tip money into super until you know whether it can go in and how much room you personally have. Caps are not one-size-fits-all. Chris ties the answer to age, life stage, and earlier use of contribution rules, because the same move can work for one member and cause trouble for another. Tax-deductible contributions come up as an option in an example, not a blanket green light. Non-concessional contributions get the same treatment: useful in the right case, but only if eligibility checks out. Pension starts are handled with the same caution. Anyone looking at a start before 30 June needs to compare the current and next financial year caps. The transfer balance cap matters here, especially the notional shift from 1.9 million dollars to 2 million dollars. Chris keeps pointing out the catch: a member's personal cap may be lower, especially if they have already started a retirement income stream. The admin is real too, with up-to-date accounts and prorated pension payments. The episode lands on a steady planning rhythm: check the fund, check the caps, then get advice before making the move.

As heard by us

A tight 30 June SMSF planning special on caps, pension timing, and getting the details right.

Episode 127 is a 30 June SMSF planning special from Chris Reid and Sarah Powell. The budget segment is kept short, mainly because it has little to say about super.

Read the full review in PlayNext →

Why you'd press play

A 30 June SMSF check with a quick budget-side detour.

Read the full recommendation in PlayNext →

Listen to the show on

Apple Podcasts Spotify

Play clips from this episode More from SMSF News and Strategies Podcast Show