Super laws, tax rules, and Centrelink assessments are complex, frequently changing, and include many exceptions. The information provided is general in nature, current as of 2026, and is not financial, legal, or tax advice. Individual circumstances, fund types, and grandfathered provisions may affect these rules, and rates and thresholds can change without notice. You should consult a licensed financial adviser, tax agent, or qualified professional before making decisions about your super, retirement, or estate planning.