I had these thoughts but they are probably wrong because i assumed after tax contributions get taxed again. Does this component get taxed when they withdraw though?
This is a hypothetical Presumably. You earn $375 000. You salary Sacrifice about 30 000. $70 000 yourselfof that since your employer legally has to contribute 9% of your salary to super on top of your $375 000. You contribute $450 000 at soon as possible in the 0708 tax year. The sooner the better. $450 000 invested now will appreciate more assuming positive gains rather than $150 000 per year. And again in the tax year 1011 you should contribute $450 000 again or the maximum allowed. I would not make the contributions again in 3 years. To break even with the 15% charge you will need to make about 7% a year. It is likely you would break even but investing privately may be better as you will be taxed at 46.5% of your gain. If the gain over 3 years cumulative is 20%. You get an after tax return of approximately 11%. As opposed to superannuation where you pay 15% and get back 20% tax free. Your net is 5%.
