https://www.guidedwealth.com.au/articles daily 0.75 2026-11-05 https://www.guidedwealth.com.au/articles/unused-super-contributions-from-2021-22-expire-next-june monthly 0.5 2026-11-05 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/8ea9d694-220e-46a2-a4c3-6606888e8051/Unused+super+contributions+from+2021-22+expire+next+June+%282%29.png Articles - Unused super contributions from 2021-22 expire next June https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/1d209e4a-8edf-424d-9c85-7d1cdf2b28d0/Picture1.png Articles - Unused super contributions from 2021-22 expire next June That screen shows the unused amounts available from each of the previous five years, and the ATO service also shows your total super balance as at the previous 30 June. The ATO website's page on the concessional contributions cap explains the rules in more detail, and anyone without a myGov account can call the ATO on 13 10 20. The ATO's figures depend on super funds reporting contributions, which can take some time, so recent contributions may not yet appear. A contribution also counts towards the financial year in which the fund receives it, rather than the year it was paid, which matters for anything sent close to 30 June. A worked example Consider someone who has earned $100,000 a year since 2021-22, has only ever had their employer's compulsory contributions paid into super, and had a total super balance under $500,000 at 30 June 2026. For simplicity, the example assumes their salary stayed the same each year. Each year the Superannuation Guarantee used up part of their limit, and the rest went unused. https://www.guidedwealth.com.au/articles/quarterly-economic-update-august-to-october-2026 monthly 0.5 2026-11-05 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/b87f6a0e-c694-42a4-9983-03bc5a1f7d25/Quarterly+Economic+Update_+August+to+October+2026+%282%29.png Articles - Quarterly Economic Update: August to October 2026 https://www.guidedwealth.com.au/articles/made-redundant-in-your-late-50s-decide-what-the-payout-is-for-before-you-spend-it monthly 0.5 2026-11-05 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/87456f0d-5632-499e-b269-5e8aee92c5fb/Made+redundant+in+your+late+50s_++Decide+what+the+payout+is+for+before+you+spend+it+%282%29.png Articles - Made redundant in your late 50s? Decide what the payout is for before you spend it https://www.guidedwealth.com.au/articles/bonds-are-back-and-why-that-matters-for-retirement-income monthly 0.5 2026-11-05 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/dbe686a4-d650-4749-86c8-4768ec9cd5d1/Bonds+are+back%2C+and+why+that+matters+for+retirement+income+%282%29.png Articles - Bonds are back, and why that matters for retirement income https://www.guidedwealth.com.au/articles/what-history-tells-us-about-market-falls-and-why-panic-is-the-expensive-option monthly 0.5 2026-10-05 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/31d191b6-2931-4951-8e4c-3609aad9bf3f/52.png Articles - What history tells us about market falls, and why panic is the expensive option - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/support-at-home-what-the-new-aged-care-system-means-for-your-parents-and-eventually-for-you monthly 0.5 2026-10-05 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/ada56b09-8bee-4846-8008-caa56ca67e20/54.png Articles - Support at Home: what the new aged care system means for your parents, and eventually for you - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/the-money-conversation-many-families-keep-putting-off monthly 0.5 2026-10-05 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/ab368f54-ae4d-4990-969d-089722d651b6/50.png Articles - The money conversation many families keep putting off - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/grey-nomads-and-the-true-cost-of-the-big-lap monthly 0.5 2026-10-05 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/6c326904-4d09-4a46-848b-08df358fc821/48.png Articles - Grey nomads and the true cost of the big lap - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/spring-clean-your-financial-life monthly 0.5 2026-09-02 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/106b3c38-4d43-421a-8c3b-da3a9f8d4ea9/44.jpg Articles - Spring Clean Your Financial Life - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/what-spring-racing-carnival-odds-can-teach-you-about-investment-risk monthly 0.5 2026-09-02 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/4426498b-6c97-4de7-8fab-9b83d4e8a93d/42.jpg Articles - What Spring Racing Carnival Odds Can Teach You About Investment Risk - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/division-296-what-the-new-3-million-super-tax-actually-does monthly 0.5 2026-09-07 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/34b0ddb0-16ce-4396-b9b4-bfbc955cbc02/Division+296_+What+the+New+%243+Million+Super+Tax+Actually+Does+%282%29.jpg Articles - Division 296: What the New $3 Million Super Tax Actually Does - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/the-professionals-trap-why-high-earners-often-under-plan-for-retirement monthly 0.5 2026-09-02 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/d8fecbc5-7d9e-4adb-85f5-8b68dc5b9f44/46.jpg Articles - The Professional’s Trap: Why High Earners Often Under-Plan for Retirement - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/saving-more-paying-more-is-your-cash-costing-you-tax monthly 0.5 2026-08-04 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/35ca2eb5-dd84-43c7-9ca6-cc75949ec5a5/38.png Articles - Saving more, paying more: is your Cash costing you tax? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/whats-your-retirement-number monthly 0.5 2026-08-04 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/cf88c923-5c44-4488-8275-5134434abac8/36.png Articles - What's your Retirement Number? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/your-default-super-fund-was-built-for-accumulation-is-this-still-right-for-you monthly 0.5 2026-08-04 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/457ae6b1-1077-4615-90f7-8593c01a73a4/34.png Articles - Your default super fund was built for Accumulation, is this still right for you? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/quarterly-economic-update-april-to-july-2026 monthly 0.5 2026-08-04 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/8c1e71c8-48be-4660-a34d-a1ab397a7057/32.png Articles - Quarterly Economic Update: April to July 2026 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/renting-or-owning-in-retirement-how-housing-status-affects-the-age-pension-and-superannuation monthly 0.5 2026-07-03 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/51495607-6c8e-4439-a7a3-87add9a0d2bf/25.png Articles - Renting or owning in retirement: how housing status affects the Age Pension and superannuation - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/budgeting-is-a-cash-flow-exercise-not-a-cost-cutting-exercise monthly 0.5 2026-07-03 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/96f79898-e950-4dd7-9177-f55f21bc4bb2/27.png Articles - Budgeting is a cash flow exercise, not a cost cutting exercise - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/blended-families-and-money-protecting-assets-fairly monthly 0.5 2026-07-03 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/14c1cbcf-f97a-49fb-b4f0-a187045f8b23/29.png Articles - Blended families and money: protecting assets fairly - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/the-retirement-question-that-money-cannot-answer monthly 0.5 2026-07-03 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/6812b663-8a2e-46c7-a55b-4df0cee69063/31.png Articles - The retirement question that money cannot answer - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/helping-the-next-generation-into-property monthly 0.5 2026-06-01 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/33386122-398c-4bcb-983d-12796ae63e6a/Helping+the+Next+Generation+Into+Property+no+txt.png Articles - Helping the next generation into property - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/the-retirement-planning-window-is-shorter-than-it-looks monthly 0.5 2026-06-01 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/ab74467e-b419-47c9-9dab-5957ec942c51/The+Retirement+Planning+Window+is+Shorter+than+it+Looks+no+txt.png Articles - The retirement planning window is shorter than it looks - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/binding-death-benefit-nominations-the-document-most-super-members-get-wrong monthly 0.5 2026-06-01 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/a4e7db1d-7176-4aad-92de-9048ded87aba/Binding+Death+Benefit+Nominations+-+The+Document+Most+Super+Members+Get+Wrong+no+txt.png Articles - Binding Death Benefit Nominations - The Document Most Super Members Get Wrong - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/higher-for-longer-what-a-sustained-rate-environment-means-for-your-retirement-strategy monthly 0.5 2026-06-01 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/3a63313d-ca60-48c7-a9e7-69b5462306da/Higher+for+longer+-+what+a+sustained+rate+environment+means+for+your+retirement+strategy+no+txt.png Articles - Higher for longer - what a sustained rate environment means for your retirement strategy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/what-the-2026-budget-means-for-your-investments-and-property monthly 0.5 2026-05-13 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/f0779291-bbd2-4c9e-a022-48b242636050/2026+Techletter+-++article+page.png Articles - What the 2026 Budget means for your investments and property - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/passive-income-in-australia-what-actually-works monthly 0.5 2026-03-23 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/2ef112d9-68e8-478a-b8e1-aec3a205ae72/14.jpg Articles - Passive Income in Australia What Actually Works - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/a-smarter-way-to-respond-to-super-volatility monthly 0.5 2026-03-23 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/fa97d03d-3cdf-4806-9031-2c684fe0fd12/A+Smarter+Way+to+Respond+to+Super+Volatility+%282%29.jpg Articles - A Smarter Way to Respond to Super Volatility - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/making-sense-of-age-pension-rules monthly 0.5 2026-03-23 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/1e1e31ef-d3a2-4fc5-9f17-f5de1c5a6ac7/Making+sense+of+age+pension+rules+%282%29.jpg Articles - Making Sense of Age Pension Rules - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/financial-advice-its-not-just-for-the-young monthly 0.5 2026-03-26 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/12ae98af-d4cf-44a8-9a6e-6c7192225438/8.jpg Articles - Financial Advice - It's Not Just for the Young - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/financial-considerations-for-grey-divorce-or-late-life-separation monthly 0.5 2026-02-06 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/e2857209-5922-43b3-8fbf-7d3f10bfce9b/6.png Articles - Financial considerations for grey divorce or late-life separation - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/transition-to-retirement-pensions-a-step-by-step-guide monthly 0.5 2026-02-06 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/b29500c8-35af-43c6-b6d0-ebce7bbc4921/Transition+to+retirement+pensions+A+step-by-step+guide+%282%29.png Articles - Transition to retirement pensions: A step-by-step guide - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/how-to-get-the-balance-right-in-your-superannuation-investment-settings monthly 0.5 2026-02-06 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/8bacaba3-7086-4baa-a2c9-9b48d0d7e901/How+to+get+the+balance+right+in+your+superannuation+investment+settings+%282%29.png Articles - How to get the balance right in your superannuation investment settings - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/gw-market-amp-economic-update-july-september-2025 monthly 0.5 2026-02-06 https://www.guidedwealth.com.au/articles/setting-smart-financial-goals-that-actually-stick monthly 0.5 2025-11-05 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/9163ac60-79a2-472f-b3e9-9b0244c5f061/Setting+SMART+financial+goals+that+actually+stick+%282%29.jpg Articles - Setting SMART financial goals that actually stick - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/how-to-build-a-diversified-portfolio-with-asx-etfs monthly 0.5 2025-11-03 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/48ef1e2f-ddfe-4ac9-a5fa-0b50b09370d0/How+to+build+a+diversified+portfolio+with+ASX+ETFs+%282%29.jpg Articles - How to build a diversified portfolio with ASX ETFs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/help-im-not-ready-to-retire monthly 0.5 2025-11-03 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/640f5a35-b2aa-487f-9ec5-4560a6e63625/Help%21+I%E2%80%99m+not+ready+to+retire+%282%29.jpg Articles - Help! I’m not ready to retire - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/funeral-bonds-an-alternative-to-funeral-insurance monthly 0.5 2025-09-05 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/1d210237-a6de-46ae-be5d-cabc9e4587bf/Funeral+bonds_+An+alternative+to+funeral+insurance+%282%29.jpg Articles - Funeral bonds: An alternative to funeral insurance - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/smart-ways-to-use-your-tax-refund-this-year monthly 0.5 2025-09-05 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/200fa55d-5bbf-4460-bd64-c6819bf02810/Smart+Ways+to+Use+Your+Tax+Refund+This+Year+%282%29.jpg Articles - Smart Ways to Use Your Tax Refund This Year - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/how-to-start-investing-with-just-500 monthly 0.5 2025-09-05 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/1d4c4fe4-f45d-462a-87d5-d78125bd48bf/How+to+start+investing+with+just+%24500+%282%29.jpg Articles - How to start investing with just $500 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/smsfs-are-they-worth-the-effort-for-average-investors monthly 0.5 2025-09-05 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/0da9a2ee-c6c9-422a-bfb7-8a37e995f8e6/SMSFs_+Are+they+worth+the+effort+for+average+investors+%282%29.jpg Articles - SMSFs: Are they worth the effort for average investors? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/quarterly-economic-update-april-june-2025 monthly 0.5 2025-08-06 https://www.guidedwealth.com.au/articles/to-stay-on-track-it-pays-to-look-back monthly 0.5 2025-08-06 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/e5a86e44-d670-4d0b-a76c-9b08dd5e90be/To+stay+on+track%2C+it+pays+to+look+back+%282%29.jpg Articles - To stay on track, it pays to look back - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/estate-planning-for-blended-families-proceed-with-care monthly 0.5 2025-08-06 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/bce28559-c298-423f-b74f-0517d7a55ec9/Estate+planning+for+blended+families+%E2%80%93+proceed+with+care+%282%29.jpg Articles - Estate planning for blended families – proceed with care - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/what-will-you-do-with-your-tax-refund monthly 0.5 2025-08-06 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/7b9649cd-9523-4f44-aa61-db24eff5f895/What+will+do+you+do+with+your+Tax+Refund+%282%29.jpg Articles - What will you do with your tax refund? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/super-contributions-explained-easily monthly 0.5 2025-07-07 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/30018bd1-ad87-4dec-bea4-f28dc99d6501/Super+contributions+explained+.+.+.+easily+%282%29.jpg Articles - Super contributions explained . . . easily - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/7fb826a2-86fa-48fe-9461-1aee393f6558/Capture.PNG Articles - Super contributions explained . . . easily - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/define-and-accelerate-your-wealth monthly 0.5 2025-07-07 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/d22c7eb9-3783-42f0-b6d8-ebeb1797992a/Define+and+accelerate+your+wealth+%282%29.jpg Articles - Define and accelerate your wealth - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.guidedwealth.com.au/articles/whats-next-gen-x-how-to-make-a-late-career-change monthly 0.5 2025-07-07 https://images.squarespace-cdn.com/content/v1/64b4aaade8ea3b59544d1be7/f8027c0a-852e-4f15-ad9e-470ac4b17e3f/What%E2%80%99s+Next%2C+Gen+X_+How+to+Make+a+Late-Career+Change+%282%29.jpg Articles - What’s Next, Gen X? 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