Making superannuation contributions

Superannuation contributions (including personal contributions and employer contributions) are a cash amount, or in some cases an asset, that is contributed to a complying superannuation fund, on behalf of an individual under the age of 75.

Super contributions and earnings on those contributions are the key to accumulating a substantial retirement nest egg. Find out how you can make concessional (before-tax) contributions, non-concessional (after-tax) contributions, receive co-contributions and more.


Listed below are some of our key articles about making super contributions. For more articles on this topic continue scrolling down the page.

Set out below are all SuperGuide articles explaining Making superannuation contributions.

SMSF pension: After making super contributions, when can I convert to another pension?

Q: I am 67 and work part time, so I qualify to make concessional contributions to our SMSF. I am already receiving an account based pension from my SMSF. The new contributions I make will have to go into an accumulation account. How long do I have to wait before our SMSF can pay another account … [Read more...]

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...]

SMSF basics: Can my DIY super fund buy my residential investment property?

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Q: I own a unit as an investment property. I would like to keep this unit as long as possible. The unit is a safe income stream and a safe haven against market uncertainty. However, if I have to sell it later, I won’t be able to put the money into my SMSF because of the work test (as it is virtually … [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...]

Transition-to-retirement pension: Can I work full-time and what form do I fill in?

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Q: Your website says: “By starting a TRIP, you don’t have to retire to withdraw your super benefits. You can work part-time or full-time or even casually.” But on the TRIP form I have from my super fund it says I have to be permanently retired or be working part time. Which is correct? I can’t see … [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...]

Working is the new ‘retirement’ for baby boomers

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Just under a quarter of the 5.5 million baby boomers in Australia believe that they will need to work into their eighties because they don’t have enough money to finance a work-free retirement, according to research conducted by Suncorp Superannuation. The Suncorp Superannuation’s research … [Read more...]