Salary Sacrifice vs Personal Contribution Super

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(Newbie)Newbie

8 June 2022

I've recently moved jobs and I've forgotten to arrange salary sacrificing for this job but now I would contribute to my superannuation account.

My understanding is that if I was to contribute to the super without using salary sacrificing I would still be able to make a deduction as a personal concessional contribution (as long as the total contributions from this and salary sacrificing do not exceed $25,000).

Given this is a concession contribution, would I be taxed at the 15% rate, similar to if I had just salary sacrified. Are there any pros and cons from a tax perspective between these two approaches or are they identical?

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