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SMSF Tax and Contributions Explained

SMSFs in 2025 are taxed at 15% in accumulation, with retirement-phase income often tax-free. Concessional contributions are capped at $30,000 and non-concessional at $120,000. Additional concessional contributions can reduce personal taxable income, while excess contributions may trigger extra tax. Timing and compliance are essential for accurate reporting in both SMSF and personal tax returns.

SMSF Basics

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