A first home buyer salary sacrifices $30,000 of their salary into superannuation. They then withdraw these funds in the same year to help purchase their first home.

A couple aged 65 decide to encourage their children (who are now adults) to move out of the family home. They then sell their large family home and downsize to a less expensive two bedroom apartment. They each contribute $300,000 from the proceeds of the sale into their superannuation.

A 30 year-old invests their superannuation in a ‘conservative’ investment option because their superannuation is set aside for retirement and so should be invested in low-risk asset categories.

A 50 year-old full-time worker salary sacrifices $30,000 per year (over and above their employer contributions) into superannuation for the next 10 years to give their superannuation a boost before retirement.