That advice is not correct. It depends on which super scheme your employee entitles you to use. For example there are many constitutionally protected super funds such as Super SA and many others that allow 100% of salary to be contributed to super if you are aged 18 through to 60 with NO concessional cap of 30,000 per annum . Ie you can salary sacrifice 100% of your salary or 80% and still receiving the full tax free threshold.

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You can possibly contribute tax effectively more to your super than the maximum yearly amount, if you did not contribute the maximum every year for the last 5.

You need professional advice, but basically there is an allowance to "catch up" on any margin between paid and what could have been paid, accumulated for last five years.

It is entirely conceivable that for one year, someone on 100k a year could pay their entire wage into super for no extra super tax penalties, though I am not saying it is necessarily wise to do so. In rough terms, you paid 10k a year in, you could have been paying 30k, diff of 20k times 5 years is 100k.

Get advice, I'm only giving you the rough out.

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