Super is a great way to save for retirement. It offers an opportunity to invest in long-term growth assets and enjoy generous tax concessions along the way. For those wanting to make extra contributions and reduce their personal tax bill, there are two options:
■ Salary sacrifice, and
■ Personal deductible contributions (PDCs).
Both have their benefits, and choosing the right method depends on your cash flow, flexibility needs and personal preference. Let’s break them down.
