25/06/2026
Most Australians spend decades building their super.
But very few think about what happens to it after they’re gone.
Here’s something that often surprises people:
Your adult children may have to pay tax on part of the super they inherit.
The amount depends on the makeup of your super balance and whether the beneficiaries are considered dependants under superannuation law.
For some families, this can mean a significant tax bill at a time that’s already emotionally difficult.
The good news?
There are strategies that may help reduce this outcome, but they need to be considered well before the money is passed on.
That’s why estate planning isn’t just about having a Will.
It’s about understanding how your assets, including superannuation, will be treated when the time comes.
And if you’re approaching retirement, it may be worth having a conversation with your accountant and financial planner.
⚠️ Disclaimer: This content provides general information only and is not intended as personal financial or investment advice. It does not take into account your individual circumstances, objectives or needs. Before making any financial decisions, seek advice from a qualified financial adviser. NGR Accounting and the presenter accept no liability for actions taken based on this information.
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