Is salary sacrificing into super halal?
The sacrifice itself is an arrangement about how you are paid. The Shariah question sits with the investment option the contributions go into.
You agree with your employer that part of your pre-tax salary is paid into super instead of to you. It is taxed at the concessional contributions rate rather than your marginal rate, subject to the annual cap.
Nothing in that arrangement involves interest or a prohibited contract. What the money then buys is the substance of the question - see the superannuation answer.
Factual and educational information only. Nothing on this page is financial product advice, a recommendation, or a Shariah ruling. Consider your circumstances and the product's disclosure documents, and seek licensed advice and qualified scholarly guidance before acting.
