Investopoly Ep 383: The new and improved $3M super cap
Nov 18, 2025
Dive into the latest changes to the $3M super cap, where new rules are aimed at balancing wealth management for high-balance super fund holders. Discover the implications of illiquid assets and why some may choose to keep them in super. Explore listeners' dilemmas around buying a forever home and the trade-offs between selling shares or properties. Unpack strategies using family trusts versus companies for share investing, and learn the importance of waiting for clear legislation before making moves. It's a treasure trove of financial insights!
AI Snips
Chapters
Transcript
Episode notes
What The Revised Proposal Changes
- The revised proposal removes tax on unrealised gains and adds a $10M tier with higher rates.
- Indexation to CPI and a July 2026 start reduce unfairness and give time to plan.
Don’t Act Until The Law Is Final
- Avoid knee-jerk moves before legislation is final; wait for law before making big changes.
- Acting early can cause regret if rules are softened, as some clients sold assets prematurely.
Super Still Competitive For $3M–$10M
- For $3M–$10M balances super remains tax-competitive despite the extra 15% on earnings.
- Many affected people already have substantial personal assets, so super's 30% top rate often compares favourably.