I'm not sure at the momment whether I want to open a FHSA....as I don't want the money to be locked away for 4 years. Though it mentions, that after 4 years if you don't want to use it to purchase your own home you can transfer it all to Super. My question is will this be taxed again (i.e. 15%) as per the regular super contribution tax? Do you guys think it is worthwhile to contribute the minimum each year, i.e. $5000 to reap the $850 gov contribution each year and transfer the whole lot to Super.....or to continue salary sacrificing?