Non-concessional contributions

Non-concessional is a special term associated with after-tax super contributions. Concessional is a term used to describe favourable tax treatment. For example, earnings in superannuation funds receive concessional tax treatment. The term 'concessional contributions' means that such contributions receive special tax treatment.


Non-concessional contributions are after-tax contributions including spouse contributions and contributions made under the Super Co-contribution Scheme.

Non-concessional contributions were previously known as undeducted contributions.

Set out below are all SuperGuide articles explaining Non-concessional contributions.

Why Australians don’t make extra super contributions

By Jun Feng, Monash University; Hazel Bateman, and Paul Gerrans, University of Western Australia Australians are increasingly relying on superannuation for their retirement income, but despite more than 20 years of compulsory super, many people are not retiring with enough. The assets under … [Read more...]

One-way traffic! Moving super from NZ to Australia not happening

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We have good news, and we also have some bad news, for New Zealanders who have settled permanently in Australia, and who want to transfer KiwiSaver accounts to Australian super funds. We also have very good news about the prospects of taking your Australian super with you, for those Australians who … [Read more...]

Super! Jump in contributions caps for 2014/2015 year

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As previously flagged in SuperGuide, the contributions caps for concessional (before tax) and non-concessional (after tax) contributions will increase for the 2014/2015 year, as a result of indexation. Concessional contributions Concessional contributions include your employer’s compulsory … [Read more...]

A case study: I’m 53. Is it too late to save for my retirement? (updated figures)

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Note: Betty has made no plans for retirement, but if she starts contributing $100 a week, until she retires, then she can expect her lifestyle to be better than her current lifestyle. If she contributes $50 a week, then she can expect to receive at least 80% of her pre-retirement income. This … [Read more...]

Co-contributions: Can I claim the tax-free bonus as a property investor?

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Q: I am not working but I source my income from rents derived from my property investments. Am I able to participate in the Government co-contribution scheme? For an Australian to be eligible for the co-contribution scheme they need to be earning 10% or more of their income from eligible … [Read more...]

Super health check: 10 tips for your 2013/2014 retirement planning

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Note: This article is current for the 2013/2014 year. Near the start of each financial year, SuperGuide publishes an updated super checklist for readers. Use this list as a kick-start for your 2013/2014 super resolutions. You may not keep all of your resolutions, but if you do just a handful of … [Read more...]

The short story on super contribution limits

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You can make two types of superannuation contributions – concessional and non-concessional - and each type of contribution has a separate limit. Concessional contributions Before-tax contributions, such as compulsory Superannuation Guarantee contributions, salary sacrificed contributions and … [Read more...]