New financial year, new rules — and a few of them could put more money in your pocket. 💼
Today, 1 July, kicks off the 2026–27 financial year, and some of the biggest super and tax changes in years take effect from this morning. Here's what actually matters for you:
💰 Bigger super contribution caps — you can now add up to $32,500 before tax and $130,000 after tax each year. More room to grow your retirement savings.
📈 Transfer balance cap lifts to $2.1m — meaning more of your super can move into a tax-free retirement pension.
⏱️ Payday super is here — employers must now pay your super within 7 days of each pay run, so your balance grows sooner.
✂️ A tax cut — the 16% bracket drops to 15%, leaving a little extra in every pay.
(And if your super balance tops $3m, the new Division 296 tax may apply — worth a chat.)
These changes are a great reason to check your plan is still working as hard as you are.
Want to know what they mean for you? Link in bio or DM us for a free, no-pressure consultation with Andrew. 👋
Unicorp Partners
Share
Unicorp Partners provides high-quality financial advice to all our clients. Dr Andrew Unterweger has been honing his financial advisory skills for 1988.
At Unicorp Partners we aim to build a personal, trusting relationship and provide you with peace of mind that your financial strategy is on track. We offer a broad range of services designed to work together to meet your financial needs. He is the founder and current chairman of the UNICORP financial services group, which provides services to senior executives at large corporations, legal firms and medical groups.
23/06/2026
Check out our new website! (Which we are still working on ... ) 😀
Unicorp Partners | Australian Financial Advisers & Expat Specialists Personalised financial advice for Australians at home and abroad. Retirement planning, investment, superannuation, insurance and estate planning from a trusted Sydney advisory with 30+ years' experience.
08/09/2025
💡 Returning to Australia with overseas investments?
Did you know foreign exchange rates can create “phantom gains” on your tax return – even if your shares haven’t grown in value?
The ATO requires you to convert your investments into AUD, which means currency shifts alone can trigger a taxable gain.
👉 In our latest blog, we break down:
✅ How the ATO taxes overseas investments
✅ Why exchange rate movements matter
✅ The “cost base reset” rule when you return home
✅ Strategies to avoid unnecessary tax
If you’re an expat with foreign investments, don’t leave your tax outcome to chance.
🔗 Read the full article above in the profile link
21/08/2025
💰 Is your cash costing you more than you think?
Many Aussies are sitting on record amounts of savings — but the truth is, too much cash in the bank can actually hold you back.
👉 Inflation eats into your buying power.
👉 Interest is taxed, cutting down your returns.
👉 And you miss out on compounding growth.
For example: putting $1,500 a month into growth investments over 20 years could grow to nearly $940k. The same money in a savings account? Around $520k. That’s a $420,000 difference 🚀
Cash is important for emergencies — but beyond that, it should be working harder for you.
✅ Use offset accounts to cut your mortgage faster
✅ Automate investments to benefit from compounding
✅ Keep just the right cash buffer for peace of mind
At Unicorp Partners, we help you strike the balance between security and growth — so your money isn’t just sitting there, it’s moving you forward.
👉 Message us today to find out how to make your cash work smarter, not harder.
https://unicorppartners.com/hidden-cost-cashless-revolt-banknotes-hoarded/
16/06/2022
Windfall Tax Savings | Australian Tax Strategy Are you concerned that we are nearing the end of the Australian Financial Year and would like to Learn some STRATEGIES to put in place to SAVE ON YOUR TAX?We...
09/06/2022
One of the beneficial changes announced in the 2021 Budget takes effect from July 1. A superannuation fund will be able to accept a voluntary contribution from a member aged up to 75 years plus 28 days after the end of the month they turn 75.
This change could enable someone aged up to 75 to make a non-concessional contribution of up to $330,000 depending on their current superannuation arrangements and this is not limited to SMSFs.
Can my wife, 74, contribute $300,000 to our SMSF? If you’re retired and have some money you’d like to add to super, new rules from July 1 will allow you to do so fairly easily up to 75. Here’s how this will work.
04/04/2021
Happy Easter 🐣
Been a busy 2 days 😅
Click here to claim your Sponsored Listing.
Location
Category
Website
Address
Level 16, 175 Pitt Street
Sydney, NSW
2000
Opening Hours
| Monday | 9am - 5pm |
| Tuesday | 9am - 5pm |
| Wednesday | 9am - 5pm |
| Thursday | 9am - 5pm |
| Friday | 9am - 5pm |