About this episode
For your 30 min FREE consult with Chris Jahn to discuss SMSF and if its right for you, go to http://www.jahnsuper.com.au/
Here's what you will learn in this episode:
The “Unrealised Gains” Tax is a Real Threat… But Not for Everyone (Yet)
The new proposal to tax unrealised gains on super balances over $3 million has spooked many—especially farmers and landowners. But Chris clarifies that this only applies to individuals with $3M+ in super ($6M per couple), meaning most Aussies aren’t immediately affected. Still, the principle of changing the rules mid-game has created deep distrust in the system.
9 Out of 10 Aussies Are Missing Major Tax-Saving Strategies
Chris sees firsthand that most Australians are leaving tens or even hundreds of thousands of dollars on the table by not using available super tax strategies. Examples include:
Personal deductible contributions
Catch-up concessional contributions from previous 5 years
Recontribution strategies to reduce death benefits tax
Financially Savvy Clients Are Exploiting These 7 Underused Strategies
Chris outlined seven proven (but underutilized) tax strategies:
Personal concessional contributions (17%–32% return via tax savings)
Catch-up of unused concessional caps (up to 5 years back)
Non-concessional contributions (up to $120K/year or $360K over 3 years)
Starting a pension phase at 60 (to make super income tax-free)
Re-contribution strategy (to minimize tax for beneficiaries)
Splitting super contributions with a spouse (get earlier access)
Transition to Retirement strategy (drawing tax-free while still working)
Most Accountants Are Gagged from Giving Super Advice
Due to over-regulation, accountants are banned from giving advice on super contributions—even basic tips like, “You should contribute $10K before EOFY.” With only ~15,000 financial advisors servicing 10 million working Australians (and many charging steep fees), the average Aussie is flying blind—disempowered by design.
Self-Managed Super Funds (SMSFs) Offer a “Financial Lifeboat” for the Awake
Chris confirms that SMSFs still provide the most control, flexibility, and sovereignty, especially for those who want to:
Avoid investing in BlackRock/Vanguard-aligned managed funds
Allocate into hard assets like gold, silver, crypto, or farmland
Align their money with their values in a rapidly shifting world
Even with regulatory red tape, Chris says SMSFs remain one of the last legal strongholds of financial freedom in Australia.
Chapters
00:00 Navigating Changes in Self-Managed Super
02:39 Tax Planning Strategies for Superannuation
05:29 Understanding Sup
