The tax benefits of salary sacrificing into super are so good, markets would have to drop by at least 20 per cent for most people to be worse off.
Shockwaves have been sent through the world’s equity markets with the introduction of sweeping tariffs by the Trump administration.
While most superannuation balances have taken a shellacking, it’s important to remember that super funds are investment vehicles – tax structures.
Super’s not the problem – it’s what you invest in (shares, property, cash etcetera) that determines how your wealth fares regardless of whether your money is inside or outside super.
Source: https://www.afr.com/wealth/superannuation/this-tax-strategy-makes-it-hard-to-lose-money-when-markets-fall-20250412-p5lr8z