Over the last five years, I have not used up the concessional cap of my Super entitlement to the fullest. Therefore, I want to use up some of that unused amount for this FY's (FY26) super. That is, for this FY, my total super contribution will exceed the current concessional cap of $30K.
For the sake of illustration, let us consider that my total super contribution this year will be $40K.
My question is, can I contribute the additional $10K - which is over and above the concessional cap -through salary sacrifice? Or is it so that once my total super contribution hits $30K, I can't make any more salary sacrifice, but have to contribute the additional $10K from my post-tax income (and then get refunded from ATO the differential tax amount between super and my marginal income tax rate)?
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