This video discusses the pros and cons of salary sacrificing into superannuation versus investing in ETFs outside of super. The primary benefit of salary sacrificing is the tax advantage, as contributions are taxed at 15% instead of the marginal income tax rate. However, money in super is locked away until preservation age, whereas investments outside of super offer greater flexibility for short-term goals like buying a house or paying for education. The decision depends on individual circumstances, balancing tax benefits against flexibility.
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Salary sacrifice into super or invest in ETFs yourself
Mar 18, 2026
This video discusses the pros and cons of salary sacrificing into superannuation versus investing in ETFs outside of super. The primary benefit of salary sacrificing is the tax advantage, as contributions are taxed at 15% instead of the marginal income tax rate. However, money in super is locked away until preservation age, whereas investments outside of super offer greater flexibility for short-term goals like buying a house or paying for education. The decision depends on individual circumstances, balancing tax benefits against flexibility.
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