Get Rich Slow Club 253. Should I invest inside or outside of super? (replay)
Apr 1, 2026
A lively dive into whether to invest through superannuation or in ETFs and personal accounts. They compare tax perks of super with the flexibility and control of investing outside it. Practical contribution strategies, limits and access rules come up. Real-life approaches for self-employed people and parents are discussed.
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Super Is A Tax-Advantaged Vehicle Not An Asset
- Super is an investment vehicle, not the actual assets you hold inside it.
- It restricts access until retirement and taxes earnings at about 15%, with potential tax-free earnings in retirement.
Top Up Super Within Contribution Caps
- You can increase super via employer compulsory contributions and voluntary concessional or non-concessional contributions.
- Concessional cap ~30K and non-concessional cap ~120K, so check caps before topping up.
Super Works Well For Set And Forget Investors
- Super is great for set-and-forget investing because contributions are automatic via pay and regulated.
- That structure benefits people who aren't money-savvy since savings happen without active effort.
