What you earn is taxed. What you spend is taxed. And as at April 2026, many Australians are realising that taxation can continue well into retirement.
At Flash Conveyancing, we don’t provide financial advice, but we do see the broader picture of wealth protection. Your property—like your super—is the product of a lifetime’s work. Protecting it requires vigilance, strategy and the right professional support.
The tax trail within superannuation
Superannuation is often presented as a simple path to retirement. In reality, it involves ongoing taxes, fees and restrictions over decades.
• Key points
- Contributions tax: Employers contribute (currently around 12%), but 15% is deducted as tax before funds are credited.
- Earnings tax: Investment earnings within the fund are generally taxed at 15% annually.
- Fees: Management fees—often around 1%—can significantly reduce balances over a working life.
- Access limits: Super is generally preserved until at least age 60, subject to conditions.
The “death tax” many overlook
Super can also be taxed when passed on.
- Adult beneficiaries: Payments to financially independent adult children may be taxed at up to 17% (including Medicare levy) on the taxable component.
- Untaxed elements: Certain funds (such as some public sector schemes) may attract rates of up to 32% on untaxed portions.
These outcomes can come as a surprise, particularly where long-term savings are affected by layers of tax and fees.
Why this matters for property?
While superannuation and property are different asset classes, the underlying principle is the same: wealth is exposed to rules, costs and risk. From capital gains tax to infrastructure levies, understanding the broader landscape is essential.
• Why clients choose Flash Conveyancing?
- Up-to-date approach: Processes are continually reviewed to reflect current laws and risks.
- Attention to detail: A focus on quality over volume ensures each matter is carefully handled.
- Risk awareness: Potential issues are identified early, not after contracts are signed.
At Flash Conveyancing, every transaction is approached with care and precision. It’s not just about completing paperwork—it’s about protecting what matters.
Flash Conveyancing advice:
Super and property may sit in different structures, but both require careful planning. Early advice and proper documentation help reduce exposure to unnecessary costs, delays and legal risks.
Flash Conveyancing, led by Julian and Renee, manages property transactions across New South Wales. With experience across councils including Blacktown, Hawkesbury, Blue Mountains, The Hills, Hornsby and Parramatta, they provide a clear and practical service. Whether buying or selling in Acacia Gardens, Marsden Park, Stanhope Gardens or North Kellyville, each settlement is handled with a focus on accuracy, security and long-term protection.