Just had a quick question in regards which month concessional contributions are allocated to. When going onto the MyGov to look at my Super contributions I see that there is a Period Date (pay period for the contribution) and a Receipt Date (when the contribution enters the funds bank). If I was to contribute $5,000 in the June pay period (June 1 - 30), will this be allocated to the 2019-20 FY as per Period Date or the 2020-21 FY, as per the Receipt Date, as the contribution would only reach the funds bank in July.
Also I know that there is a maximum $15,000 that you can apply to get released under the FHSS, and that you can only release 85% of concessional (pre-tax) amounts as 15% gets taxed. Does that mean that in order to get the full $15,000 you will need to contribute $17,647?