Welcome back to another episode of the 360 Money Matters Podcast!

In this episode, we break down catch-up concessional contributions—a government initiative that lets you maximize unused super contribution caps from the past five years. Perfect for anyone who's taken a career break, sold an investment property, or simply wants to optimize their tax position.

We show you how to turn a capital gain windfall into retirement wealth at just 15% tax instead of your marginal rate. We explain why timing matters, how to track your unused caps on MyGov, and the critical mistakes that can cost you if you over-contribute.

Tune in to find out if this strategy could save you thousands in tax this financial year.

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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706

Episode Highlights

• What catch-up concessional contributions are and who qualifies

• The $500,000 super balance threshold and five-year rule

• Converting 47% tax to 15% on high-income contributions

• Strategic timing for capital gains and career breaks

• How to track unused caps on MyGov without over-contributing

• Pairing catch-up contributions with downsizer and other super strategies

• Balancing tax savings against locking money away until retirement

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